FINANCIAL TECHNOLOGY

1. Apa yang dimaksud dengan Financial Technology?
Financial technology/FinTech merupakan hasil gabungan antara jasa keuangan dengan teknologi yang akhirnya mengubah model bisnis dari konvensional menjadi moderat, yang awalnya dalam membayar harus bertatap-muka dan membawa sejumlah uang kas, kini dapat melakukan transaksi jarak jauh dengan melakukan pembayaran yang dapat dilakukan dalam hitungan detik saja.

 

2. Bagaimana FinTech bisa terjadi?
FinTech muncul seiring perubahan gaya hidup masyarakat yang saat ini didominasi oleh pengguna teknologi informasi tuntutan hidup yang serba cepat. Dengan FinTech, permasalahan dalam transaksi jual-beli dan pembayaran seperti tidak sempat mencari barang ke tempat perbelanjaan, ke bank/ATM untuk mentransfer dana, keengganan mengunjungi suatu tempat karena pelayanan yang kurang menyenangkan dapat diminimalkan. Dengan kata lain, FinTech membantu transaksi jual beli dan sistem pembayaran menjadi lebih efisien dan ekonomis namun tetap efektif.

 

3. Apa dasar hukum penyelenggaraan FinTech dalam system pembayaran di Indonesia?

  • Peraturan Bank Indonesia No. 18/40/PBI/2016 tentang Penyelenggaraan Pemrosesan Transaksi Pembayaran
  • Surat Edaran Bank Indonesia No. 18/22/DKSP perihal Penyelenggaraan Layanan Keuangan Digital
  • Peraturan Bank Indonesia No. 18/17/PBI/2016 tentang Uang Elektronik

4. Apa keuntungan dari FinTech?
Bagi konsumen, FinTech memberi manfaat:

  • Mendapat layanan yang lebih baik
  • Pilihan yang lebih banyak
  • Harga yang lebih murah

Bagi pemain FinTech (pedagang produk atau jasa), FinTech memberi manfaat:

  • Menyederhanakan rantai transaksi
  • Menekan biaya operasional dan biaya modal
  • Membekukan alur informasi

Bagi suatu Negara, FinTech memberi manfaat;

  • Mendorong transmisi kebijakan ekonomi
  • Meningkatkan kecepatan perputaran uang sehingga meningkatkan ekonomi masyarakat
  • Di Indonesia, FinTech turut mendorong Strategi Nasional Keuangan Inklusif/SKNI

5. Apa saja dampak yang ditimbulkan dari FinTech?
FinTech telah mengubah sistem pembayaran di masyarakat dan telah membantu perusahaan-perusahaan start-up dalam menekan biaya modal dan biaya operasional yang tinggi di awal.

 

6. Bagaimana peran FinTech dalam sistem pembayaran?
Dalam hal ini, FinTech mampu menggantikan peran lembaga keuangan formal seperti bank. Dalam hal sistem pembayaran, FinTech berperan dalam;

  • Menyediakan pasar bagi pelaku usaha
  • Menjadi alat bantu untuk pembayaran, penyelesaian/settlement dan kliring
  • Membantu pelaksanaan investasi yang lebih efisien
  • Mitigasi risiko dari system pembayaran yang konvensional
  • Membantu pihak yang membutuhkan untuk menabung, meminjam dana dan penyertaan modal.

7. Apakah regulator perlu membuat peraturan terkait FinTech?
Kuatnya arus teknologi dalam system pembayaran mendorong Bank Indonesia sebagai bank sentral Republik Indonesia untuk memastikan lalu lintas pembayaran yang telah terpenetrasi oleh teknologi tetap berjalan dengan tertib dan aman serta mendukung pilar-pilar dalam pencapaian visi dan misi Bank Indonesia.

 

8. Apa saja yang dilakukan Bank Indonesia dalam menjaga ketertiban lalu lintas pembayaran terkait FinTech?

  • Dalam hal penyediaan pasar bagi pelaku usaha, Bank Indonesia memastikan perlindungan terhadap konsumen, khususnya mengenai jaminan kerahasiaan data dan informasi konsumen lewat jaringan keamanan siber.
  • Dalam hal tabungan, pinjaman dan penyertaan modal, Bank Indonesia mewajibkan setiap pelaku usaha untuk patuh kepada peraturan makroprudensial, pendalaman mengenai pasar keuangan, system pembayaran sebagai pendukung operasi dan keamanan siber untuk menjaga data dan informasi konsumen.
  • Dalam hal investasi dan manajemen risiko, Bank Indonesia juga mewajibkan setiap pelaku usaha untuk patuh kepada peraturan makroprudensial, pendalaman mengenai pasar keuangan, system pembayaran sebagai pendukung operasi dan keamanan siber untuk menjaga data dan informasi konsumen.
  • Dalam hal pembayaran, penyelesaian/settlement dan kliring, Bank Indonesia memastikan perlindungan terhadap konsumen, khususnya mengenai jaminan kerahasiaan data dan informasi konsumen lewat jaringan keamanan siber.

9. Apa bentuk inisiatif Bank Indonesia terkait FinTech?
Bank Indonesia menjamin keamanan dan ketertiban lalu lintas pembayaran dengan menjadi:

  • Fasilitator. Bank Indonesia menjadi fasilitator dalam hal penyediaan lahan untuk lalu lintas pembayaran
  • Analis bisnis yang intelligent. Melalui kerjasama dengan otoritas dan agen-agen internasional, Bank Indonesia menjadi analis bagi para pelaku usaha terkait FinTech untuk memberikan pandangan dan arahan tentang bagaimana menciptakan system pembayaran yang aman dan tertib.
  • Asesmen. Bank Indonesia melakukan monitoring dan penilaian (assessment) terhadap setiap kegiatan usaha yang melibatkan FinTech dan system pembayarannya menggunakan teknologi.
  • Koordinasi dan Komunikasi. Bank Indonesia menjaga hubungan dengan otoritas terkait untuk tetap mendukung keberadaan FinTech system pembayaran di Indonesia. Bank Indonesia juga berkomitmen untuk mendukung para pelaku usaha di Indonesia dengan memberikan pengarahan secara berkala mengenai FinTech.

sumber : bi.go.id

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