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Abstract

Introduction to the Problem: The development of fintech in Indonesia marks a significant milestone in accelerating the national digital economy. As a solution to the limitations of conventional financial services, fintech supports more efficient business processes, particularly for small and medium enterprises. However, the integration of fintech in e-commerce depends heavily on consumer personal data, which is vulnerable to misuse without consent, potentially harming consumers as data owners.
The problem formulation discussed is the protection of consumer personal data in fintech-based e-commerce transactions in Indonesia.
Purpose/Study Objectives: This study aims to identify and analyze the legal provisions for protecting consumer personal data within fintech based e-commerce transactions in Indonesia.
Novelty: It specifically examines the application of Indonesia's newly enacted Personal Data Protection Law as a legal foundation for this context, linking fintech operations directly to consumer data privacy mandates.
Methodology: This research is descriptive and analytical, conducted using normative legal methods, and the data obtained is analyzed qualitatively and legally.
Results/Findings: The study confirms that several Indonesian regulations, particularly the Personal Data Protection Law, provide a robust legal framework for protection. However, these existing regulations require consistent enforcement and monitoring to ensure proper implementation.

Keywords

Consumer Personal Data Fintech E-commerce

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How to Cite
Hassanah, H., & Wahyudi, W. (2025). Legal Protection of Consumer Personal Data on the Use of Fintech in E-commerce. Jurnal Bina Mulia Hukum, 10(1), 68-84. https://doi.org/10.24198/jbmh.v10i1.1956
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