Fintech implementation still lacks legal protection for the parties involved. The rules imposed by Financial Services Authority (FSA/ Otoritas Jasa Keuangan/OJK) have aspects of riba that contradict sharia compliance principles. This study determines alternative solutions to unfair practices in conventional Fintech, especially peer-to-peer lending (P2P lending) Indonesian banking practices. res...

In this paper, we investigate the definition of Fintech and measure extent impact variables on Cybersecurity as dependent variable. The hypotheses developed by authors which are based research through statistical results all correlation coefficients were a positive relationship at level significance 0.01 made accept hypotheses, for influence factor between it also had effect when 0.05 sections ...

This article evaluates the sandbox approach as a regulatory answer to challenges financial technology brings finance and social relations. Taking fintech sociotechnological phenomenon embedded in discourses of solutionism innovation, we show that accepts these discourses. Instead containing fintech, is designed way advances riskwashing even if it disguised risktaming. Next, demonstrate fintech’...

Fintech is celebrated for its disruptive and democratizing qualities that dis/reintermediates the finance value chain. Claims of a ‘fintech revolution’ assume fintech ‘disruptive’ because innovative capabilities, but extent to which these forces have reconfigured consumer financial knowledge practices not well understood. Using questionnaire survey retail consumers in Singapore on their use per...

Financial technology (fintech) has seen fast development recently in China; however, studies exploring the contributions of fintech to China’s economic growth remain limited. Thus, this study motivated by knowledge gaps and expansion examined: (i) impact submeasures third-party payment, credit, insurance on growth; (ii) regional provincial (iii) causality relationships between growth. By using ...