REGULASI DAN KEBIJAKAN KEUANGAN DIGITAL
Abstract
Abstract. Pertumbuhan pesat keuangan digital yang didorong oleh kemajuan teknologi informasi dan komunikasi telah mengubah secara signifikan lanskap industri keuangan. Makalah ini bertujuan untuk mengkaji integrasi aspek sumber daya manusia (SDM) dalam mendukung kerangka regulasi dan kebijakan keuangan digital di Indonesia. Penelitian ini mengidentifikasi berbagai tantangan utama seperti keterlambatan regulasi, risiko keamanan data, dan kebutuhan perlindungan konsumen di era digital. Metode yang digunakan adalah deskriptif-analitis dengan menelaah kebijakan dari OJK, Bank Indonesia, dan Kementerian Kominfo serta implementasi praktis instrumen seperti QRIS, regulatory sandbox, dan fintech lending. Temuan menunjukkan bahwa kapasitas SDM di institusi keuangan dan startup fintech sangat penting agar inovasi digital berjalan secara etis, inklusif, dan berkelanjutan. Regulasi dan kebijakan yang efektif harus ditopang oleh SDM yang kompeten guna menjaga keseimbangan antara inovasi dan manajemen risiko, melindungi pengguna, serta memperkuat ketahanan sistem keuangan. Studi ini menyimpulkan bahwa kesiapan modal manusia perlu menjadi bagian tak terpisahkan dalam perancangan kebijakan tata kelola keuangan digital.
Keywords: fintech; integrasi SDM; inovasi keuangan; keuangan digital; regulasi
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