PERKEMBANGAN INSTRUMEN KEUANGAN DIGITAL DAN IMPLIKASI HUKUMNYA DALAM EKONOMI PERBANKAN

• Indri Hamdarini

  Hukum Pidana Islam, Universitas Islam Ahmad Dahlan, Sinjai

  Author

• Cinta

  Hukum Pidana Islam, Universitas Islam Ahmad Dahlan, Sinjai

  Author

• Resky Awaliah

  Hukum Pidana Islam, Universitas Islam Ahmad Dahlan, Sinjai

  Author

• St. Khadijah Wahid

  Hukum Pidana Islam, Universitas Islam Ahmad Dahlan, Sinjai

  Author

• Herlina

  Hukum Pidana Islam, Universitas Islam Ahmad Dahlan, Sinjai

  Author

• Sabrina

  Hukum Pidana Islam, Universitas Islam Ahmad Dahlan, Sinjai

  Author

• Muh. Yusuf Hakim

  Hukum Pidana Islam, Universitas Islam Ahmad Dahlan, Sinjai

  Author

• Asnita Binti Asis

  Hukum Pidana Islam, Universitas Islam Ahmad Dahlan, Sinjai

  Author

Advances in digital technology have brought significant changes to the finance and banking sector, primarily through the utilization of digital financial instruments such as electronic money, application-based banking services, and the Quick Response Code Indonesian Standard (QRIS). The implementation of digital financial systems enhances the convenience, speed, and efficiency of economic transactions for the public and businesses, including micro, small, and medium enterprises (MSMEs). However, this development also raises several legal issues, particularly concerning personal data protection, transaction security, and legal certainty guarantees for both consumers and digital financial service providers. This research aims to examine the development and variety of digital financial instruments, their legal implications, and their impact on Indonesia's economy and banking system. The research method employed is a literature study, analyzing relevant legislation and various literary sources. The findings indicate that digital financial transactions have gained legal recognition, primarily through the Electronic Information and Transactions Law; however, regulations regarding personal data protection still require strengthening. Furthermore, financial digitalization positively impacts the increase in financial inclusion and banking efficiency, including in promoting the growth of the economy and sharia banking. Therefore, harmonious collaboration among the government, financial authorities, and businesses is necessary to establish a secure, fair, and sustainable digital financial system.

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