TINJAUAN YURIDIS PENYEBARAN DATA KONSUMEN DALAM FINTENCH PINJAMAN ONLINE

Fintech is an abbreviation of financial technology which refers to technology used in the financial sector to provide more efficient, faster and innovative financial services. Someone now who wants to apply for a loan simply downloads the application or accesses the loan service provider's website, fills in the data and uploads the required documents. needed and in a relatively quick time the loan goes directly to the borrower's account. However, negative excesses have emerged such as the spread of borrowers' personal data because the online loan verification process is carried out online and will require approval from the loan recipient to access all data. This is a very high risk of the loan recipient's personal data being misused. Based on the background description explained above, the formulation of the problem is as follows: 1. How is the legal protection for consumer personal data regulated in online loans according to positive law. 2. How to protect consumer rights in the case of online loans. So the research objectives to be achieved are as follows 1. To find out the legal protection arrangements for consumer personal data in online loans according to positive law. 2. To find out about the protection of consumer rights in online loan cases. The research method of this paper is normative juridical, which means using library materials, literature or document studies as research sources and collecting data. In this case, it is used to find out and study consumer privacy in the context of online loan fintech. The results of this research show that: 1. Regulations for legal protection of personal data in online loans according to positive law are contained in articles 27-37 of the Information and Electronic Transactions Law, apart from that, they are also contained in Articles 67-68 of the Law Concerning Personal Data Protection, However, research found that even though online loans are regulated by law, there are problems that arise in society. One of them is the misuse of customer data by online loan companies. 2. Protection of consumer rights in the case of online loans is contained in article 19 number 1 Number 8 of 1999 concerning Consumer Protection. However, there are still gaps and challenges that need to be overcome to ensure the protection of consumer rights. There are challenges faced by consumers in accessing online loans, namely lack of clarity. in regulations, high interest rates, and data privacy concerns