{"id":"https://openalex.org/W2969367338","doi":null,"title":"PERKEMBANGAN REGULASI DAN PENGAWASAN FINANCIAL TECHNOLOGYDI INDONESIA","display_name":"PERKEMBANGAN REGULASI DAN PENGAWASAN FINANCIAL TECHNOLOGYDI INDONESIA","publication_year":2019,"publication_date":"2019-06-12","ids":{"openalex":"https://openalex.org/W2969367338","mag":"2969367338"},"language":"en","primary_location":{"id":"pmh:oai:ojs.ejournal2.undip.ac.id:article/5109","doi":null,"is_oa":true,"landing_page_url":"https://ejournal2.undip.ac.id/index.php/dplr/article/view/5109","pdf_url":"https://ejournal2.undip.ac.id/index.php/dplr/article/download/5109/2717","source":{"id":"https://openalex.org/S7407067828","display_name":"Diponegoro Private Law Review","issn_l":"2598-2354","issn":["2598-2354"],"is_oa":true,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":"https://openalex.org/P4310315173","host_organization_name":"Diponegoro University","host_organization_lineage":["https://openalex.org/P4310315173"],"host_organization_lineage_names":["Diponegoro University"],"type":"journal"},"license":null,"license_id":null,"version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"2598-2354","raw_type":"info:eu-repo/semantics/article"},"volume":null,"type":"article","indexed_in":[],"open_access":{"is_oa":true,"oa_status":"diamond","oa_url":"https://ejournal2.undip.ac.id/index.php/dplr/article/download/5109/2717","any_repository_has_fulltext":false},"authorships":[{"author_position":"first","author":{"id":"https://openalex.org/A5058277657","display_name":"Rinitami Njatrijani","orcid":null,"observed_orcids":[]},"institutions":[{"id":"https://openalex.org/I11855966","display_name":"Diponegoro University","ror":"https://ror.org/056bjta22","country_code":"ID","type":"education","lineage":["https://openalex.org/I11855966"]}],"countries":["ID"],"is_corresponding":true,"raw_author_name":"Njatrijani, Rinitami","raw_affiliation_strings":["Universitas Diponegoro",">Universitas Diponegoro</span></span>"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"Universitas Diponegoro","institution_ids":["https://openalex.org/I11855966"]},{"raw_affiliation_string":">Universitas Diponegoro</span></span>","institution_ids":["https://openalex.org/I11855966"]}]}],"institutions":[],"countries_distinct_count":1,"institutions_distinct_count":1,"corresponding_author_ids":["https://openalex.org/A5058277657"],"corresponding_institution_ids":["https://openalex.org/I11855966"],"apc_list":null,"apc_paid":null,"fwci":5.6551,"has_fulltext":true,"cited_by_count":23,"citation_normalized_percentile":{"value":0.95613539,"is_in_top_1_percent":false,"is_in_top_10_percent":true},"cited_by_percentile_year":{"min":89,"max":99},"biblio":{"volume":null,"issue":null,"first_page":null,"last_page":null},"is_retracted":false,"is_paratext":false,"is_xpac":false,"primary_topic":{"id":"https://openalex.org/T11995","display_name":"FinTech, Crowdfunding, Digital Finance","score":0.9984999895095825,"subfield":{"id":"https://openalex.org/subfields/1404","display_name":"Management Information Systems"},"field":{"id":"https://openalex.org/fields/14","display_name":"Business, Management and Accounting"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},"topics":[{"id":"https://openalex.org/T11995","display_name":"FinTech, Crowdfunding, Digital Finance","score":0.9984999895095825,"subfield":{"id":"https://openalex.org/subfields/1404","display_name":"Management Information Systems"},"field":{"id":"https://openalex.org/fields/14","display_name":"Business, Management and Accounting"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},{"id":"https://openalex.org/T14291","display_name":"Indonesian Legal and Regulatory Studies","score":0.0010999999940395355,"subfield":{"id":"https://openalex.org/subfields/3320","display_name":"Political Science and International Relations"},"field":{"id":"https://openalex.org/fields/33","display_name":"Social Sciences"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},{"id":"https://openalex.org/T13346","display_name":"Digital Transformation in Financial Services","score":9.999999747378752e-05,"subfield":{"id":"https://openalex.org/subfields/2000","display_name":"General Economics, Econometrics and Finance"},"field":{"id":"https://openalex.org/fields/20","display_name":"Economics, Econometrics and Finance"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}}],"keywords":[{"id":"https://openalex.org/keywords/fintech","display_name":"fintech","score":0.6800000071525574},{"id":"https://openalex.org/keywords/fintech-regulation","display_name":"fintech regulation","score":0.9649999737739563},{"id":"https://openalex.org/keywords/financial-supervision","display_name":"financial supervision","score":0.8650000095367432},{"id":"https://openalex.org/keywords/financial-services-authority-ojk","display_name":"Financial Services Authority (OJK)","score":0.9599999785423279},{"id":"https://openalex.org/keywords/online-lending","display_name":"online lending","score":0.4950000047683716},{"id":"https://openalex.org/keywords/peer-to-peer-lending","display_name":"peer-to-peer lending","score":0.8379999995231628},{"id":"https://openalex.org/keywords/consumer-protection","display_name":"consumer protection","score":0.7319999933242798},{"id":"https://openalex.org/keywords/financial-stability","display_name":"financial stability","score":0.9480000138282776},{"id":"https://openalex.org/keywords/fintech-companies","display_name":"fintech companies","score":0.5320000052452087},{"id":"https://openalex.org/keywords/indonesia","display_name":"Indonesia","score":0.3569999933242798}],"concepts":[{"id":"https://openalex.org/C144133560","wikidata":"https://www.wikidata.org/wiki/Q4830453","display_name":"Business","level":0,"score":0.7244137525558472},{"id":"https://openalex.org/C139043278","wikidata":"https://www.wikidata.org/wiki/Q837171","display_name":"Financial services","level":2,"score":0.667381227016449},{"id":"https://openalex.org/C540431452","wikidata":"https://www.wikidata.org/wiki/Q16319025","display_name":"FinTech","level":3,"score":0.6297757029533386},{"id":"https://openalex.org/C2992337254","wikidata":"https://www.wikidata.org/wiki/Q31275820","display_name":"Financial stability","level":2,"score":0.5642098784446716},{"id":"https://openalex.org/C10138342","wikidata":"https://www.wikidata.org/wiki/Q43015","display_name":"Finance","level":1,"score":0.5416074991226196},{"id":"https://openalex.org/C168031717","wikidata":"https://www.wikidata.org/wiki/Q1530280","display_name":"Balance (ability)","level":2,"score":0.5036939978599548},{"id":"https://openalex.org/C2989499966","wikidata":"https://www.wikidata.org/wiki/Q664183","display_name":"Consumer protection","level":2,"score":0.4945361316204071},{"id":"https://openalex.org/C2778300220","wikidata":"https://www.wikidata.org/wiki/Q114380","display_name":"Financial crisis","level":2,"score":0.4827415347099304},{"id":"https://openalex.org/C73283319","wikidata":"https://www.wikidata.org/wiki/Q1416617","display_name":"Financial system","level":1,"score":0.45545098185539246},{"id":"https://openalex.org/C183206440","wikidata":"https://www.wikidata.org/wiki/Q46834","display_name":"Balance sheet","level":2,"score":0.4119935929775238},{"id":"https://openalex.org/C54750564","wikidata":"https://www.wikidata.org/wiki/Q26643","display_name":"Commerce","level":1,"score":0.25164324045181274},{"id":"https://openalex.org/C162324750","wikidata":"https://www.wikidata.org/wiki/Q8134","display_name":"Economics","level":0,"score":0.1837858259677887},{"id":"https://openalex.org/C99508421","wikidata":"https://www.wikidata.org/wiki/Q2678675","display_name":"Physical medicine and rehabilitation","level":1,"score":0.0},{"id":"https://openalex.org/C71924100","wikidata":"https://www.wikidata.org/wiki/Q11190","display_name":"Medicine","level":0,"score":0.0},{"id":"https://openalex.org/C139719470","wikidata":"https://www.wikidata.org/wiki/Q39680","display_name":"Macroeconomics","level":1,"score":0.0}],"mesh":[],"locations_count":1,"locations":[{"id":"pmh:oai:ojs.ejournal2.undip.ac.id:article/5109","doi":null,"is_oa":true,"landing_page_url":"https://ejournal2.undip.ac.id/index.php/dplr/article/view/5109","pdf_url":"https://ejournal2.undip.ac.id/index.php/dplr/article/download/5109/2717","source":{"id":"https://openalex.org/S7407067828","display_name":"Diponegoro Private Law Review","issn_l":"2598-2354","issn":["2598-2354"],"is_oa":true,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":"https://openalex.org/P4310315173","host_organization_name":"Diponegoro University","host_organization_lineage":["https://openalex.org/P4310315173"],"host_organization_lineage_names":["Diponegoro University"],"type":"journal"},"license":null,"license_id":null,"version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"2598-2354","raw_type":"info:eu-repo/semantics/article"}],"best_oa_location":{"id":"pmh:oai:ojs.ejournal2.undip.ac.id:article/5109","doi":null,"is_oa":true,"landing_page_url":"https://ejournal2.undip.ac.id/index.php/dplr/article/view/5109","pdf_url":"https://ejournal2.undip.ac.id/index.php/dplr/article/download/5109/2717","source":{"id":"https://openalex.org/S7407067828","display_name":"Diponegoro Private Law Review","issn_l":"2598-2354","issn":["2598-2354"],"is_oa":true,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":"https://openalex.org/P4310315173","host_organization_name":"Diponegoro University","host_organization_lineage":["https://openalex.org/P4310315173"],"host_organization_lineage_names":["Diponegoro University"],"type":"journal"},"license":null,"license_id":null,"version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"2598-2354","raw_type":"info:eu-repo/semantics/article"},"sustainable_development_goals":[{"score":0.6601999998092651,"id":"https://metadata.un.org/sdg/16","display_name":"Peace, justice, and strong institutions"},{"score":0.4943999946117401,"id":"https://metadata.un.org/sdg/9","display_name":"Industry, innovation and infrastructure"}],"sustainable_development_goals_aurora":[],"study_designs":[],"awards":[],"funders":[],"has_content":{"pdf":true,"grobid_xml":true},"content_urls":{"pdf":"https://content.openalex.org/works/W2969367338.pdf","grobid_xml":"https://content.openalex.org/works/W2969367338.grobid-xml"},"referenced_works_count":0,"referenced_works":[],"related_works":["https://openalex.org/W3014308298","https://openalex.org/W4402851806","https://openalex.org/W2974491469","https://openalex.org/W4402651610","https://openalex.org/W4317930962","https://openalex.org/W2901586527","https://openalex.org/W3167606441","https://openalex.org/W4401764687","https://openalex.org/W6927304241","https://openalex.org/W2884258426"],"abstract_inverted_index":{"ABSTRACT.":[0],"The":[1,19],"growth":[2],"of":[3,29,44,67],"Fintech":[4,15,57,61],"companies":[5],"in":[6,17,47,70],"Indonesia":[7,58],"is":[8,86],"very":[9],"rapid,":[10],"currently,":[11],"there":[12],"are":[13],"99":[14],"Companies":[16,59],"Indonesia.":[18],"Financial":[20],"Sevices":[21],"Authority":[22],"(OJK)":[23],"continues":[24],"to":[25,74],"encourage":[26],"the":[27,40,95],"development":[28],"information":[30,48],"technology\u2013based":[31],"financial":[32,80,97,104],"service":[33],"provider":[34],"company":[35],"(Fintech).":[36],"This":[37,85],"paper":[38],"discusses":[39],"regulation":[41],"and":[42,51,60,63,82,106],"supervision":[43],"fintech":[45],"users":[46],"technology-based":[49],"lending":[50],"borrowing":[52],"services.":[53],"Legal":[54],"protection":[55],"for":[56,90],"Users":[62],"law":[64],"inforecement.":[65],"Regulating":[66],"technological":[68],"innovation":[69],"finance":[71],"must":[72],"seek":[73],"balance":[75],"compering":[76],"objectives,":[77],"especiallyfor":[78],"innovation,":[79],"stability,":[81],"customer":[83],"protection.":[84,109],"a":[87,100],"particular":[88],"challenge":[89],"regulators":[91],"ten":[92],"years":[93],"after":[94],"global":[96],"crisis":[98],"prompted":[99],"massive":[101],"focus":[102],"on":[103],"stability":[105],"enhanced":[107],"consumer":[108]},"counts_by_year":[{"year":2024,"cited_by_count":1},{"year":2023,"cited_by_count":5},{"year":2022,"cited_by_count":8},{"year":2021,"cited_by_count":4},{"year":2020,"cited_by_count":5}],"updated_date":"2026-10-12T09:40:04.860316","created_date":"2026-10-02T00:00:00"}