{"id":"https://openalex.org/W4416396289","doi":"https://doi.org/10.15294/lslr.v9i2.24927","title":"Digital Economy Regulation and Consumer Rights Protection: Realizing Security in Financial Technology Transactions","display_name":"Digital Economy Regulation and Consumer Rights Protection: Realizing Security in Financial Technology Transactions","publication_year":2025,"publication_date":"2025-11-17","ids":{"openalex":"https://openalex.org/W4416396289","doi":"https://doi.org/10.15294/lslr.v9i2.24927"},"language":"en","primary_location":{"id":"doi:10.15294/lslr.v9i2.24927","doi":"https://doi.org/10.15294/lslr.v9i2.24927","is_oa":true,"landing_page_url":"https://doi.org/10.15294/lslr.v9i2.24927","pdf_url":null,"source":{"id":"https://openalex.org/S4210203203","display_name":"Lex Scientia Law Review","issn_l":"2598-9677","issn":["2598-9677","2598-9685"],"is_oa":true,"is_in_doaj":true,"is_core":false,"listed_in":["doaj","jufo-1","poland-20"],"host_organization":"https://openalex.org/P4310315184","host_organization_name":"State University of Semarang","host_organization_lineage":["https://openalex.org/P4310315184"],"host_organization_lineage_names":["State University of Semarang"],"type":"journal"},"license":"cc-by-nc-sa","license_id":"https://openalex.org/licenses/cc-by-nc-sa","version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"Lex Scientia Law Review","raw_type":"journal-article"},"volume":null,"type":"article","is_traditional":true,"indexed_in":["crossref","doaj"],"open_access":{"is_oa":true,"oa_status":"diamond","oa_url":"https://doi.org/10.15294/lslr.v9i2.24927","any_repository_has_fulltext":false},"authorships":[{"author_position":"first","author":{"id":"https://openalex.org/A5035130411","display_name":"Afif Noor","orcid":"https://orcid.org/0000-0002-8427-0168","observed_orcids":["https://orcid.org/0000-0002-8427-0168"]},"institutions":[{"id":"https://openalex.org/I4210092172","display_name":"Walisongo State Islamic University","ror":"https://ror.org/00gq7p328","country_code":"ID","type":"education","lineage":["https://openalex.org/I4210092172"]}],"countries":["ID"],"is_corresponding":false,"raw_author_name":"Afif Noor","raw_affiliation_strings":["Universitas Islam Negeri Walisongo Semarang Walisongo"],"raw_orcid":"https://orcid.org/0000-0002-8427-0168","affiliations":[{"raw_affiliation_string":"Universitas Islam Negeri Walisongo Semarang Walisongo","institution_ids":["https://openalex.org/I4210092172"]}]},{"author_position":"middle","author":{"id":null,"display_name":"Ali Maskur","orcid":"https://orcid.org/0000-0001-5118-1823","observed_orcids":["https://orcid.org/0000-0001-5118-1823"]},"institutions":[{"id":"https://openalex.org/I4210092172","display_name":"Walisongo State Islamic University","ror":"https://ror.org/00gq7p328","country_code":"ID","type":"education","lineage":["https://openalex.org/I4210092172"]}],"countries":["ID"],"is_corresponding":false,"raw_author_name":"Ali Maskur","raw_affiliation_strings":["Universitas Islam Negeri Walisongo Semarang"],"raw_orcid":"https://orcid.org/0000-0001-5118-1823","affiliations":[{"raw_affiliation_string":"Universitas Islam Negeri Walisongo Semarang","institution_ids":["https://openalex.org/I4210092172"]}]},{"author_position":"middle","author":{"id":"https://openalex.org/A5035245218","display_name":"Dwi Wulandari","orcid":"https://orcid.org/0000-0002-9774-0288","observed_orcids":["https://orcid.org/0000-0002-9774-0288"]},"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":false,"raw_author_name":"Dwi Wulandari","raw_affiliation_strings":["Universitas Diponegoro, Semarang"],"raw_orcid":"https://orcid.org/0000-0002-9774-0288","affiliations":[{"raw_affiliation_string":"Universitas Diponegoro, Semarang","institution_ids":["https://openalex.org/I11855966"]}]},{"author_position":"middle","author":{"id":"https://openalex.org/A5093193935","display_name":"Aqila-Syarief Muhammad Afif","orcid":"https://orcid.org/0009-0008-9438-4960","observed_orcids":["https://orcid.org/0009-0008-9438-4960"]},"institutions":[{"id":"https://openalex.org/I165230279","display_name":"Universitas Gadjah Mada","ror":"https://ror.org/03ke6d638","country_code":"ID","type":"education","lineage":["https://openalex.org/I165230279"]}],"countries":["ID"],"is_corresponding":false,"raw_author_name":"Aqila-Syarief Muhammad Afif","raw_affiliation_strings":["Universitas Gadjah Mada, Yogyakarta"],"raw_orcid":"https://orcid.org/0009-0008-9438-4960","affiliations":[{"raw_affiliation_string":"Universitas Gadjah Mada, Yogyakarta","institution_ids":["https://openalex.org/I165230279"]}]},{"author_position":"last","author":{"id":"https://openalex.org/A5120365812","display_name":"Muhammad Fazli Azmi","orcid":"https://orcid.org/0009-0005-9950-7200","observed_orcids":["https://orcid.org/0009-0005-9950-7200"]},"institutions":[{"id":"https://openalex.org/I56590836","display_name":"Monash University","ror":"https://ror.org/02bfwt286","country_code":"AU","type":"education","lineage":["https://openalex.org/I56590836"]}],"countries":["AU"],"is_corresponding":false,"raw_author_name":"Muhammad Fazli Azmi","raw_affiliation_strings":["Monash University, Melbourne, Australia"],"raw_orcid":"https://orcid.org/0009-0005-9950-7200","affiliations":[{"raw_affiliation_string":"Monash University, Melbourne, Australia","institution_ids":["https://openalex.org/I56590836"]}]}],"institutions":[],"countries_distinct_count":2,"institutions_distinct_count":4,"corresponding_author_ids":[],"corresponding_institution_ids":[],"apc_list":null,"apc_paid":null,"fwci":6.6834,"has_fulltext":false,"cited_by_count":10,"citation_normalized_percentile":{"value":0.96470543,"is_in_top_1_percent":false,"is_in_top_10_percent":true},"cited_by_percentile_year":{"min":93,"max":99},"biblio":{"volume":"9","issue":"2","first_page":"1324","last_page":"1375"},"is_retracted":false,"is_paratext":false,"is_xpac":false,"primary_topic":{"id":"https://openalex.org/T11995","display_name":"FinTech, Crowdfunding, Digital Finance","score":0.7437000274658203,"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":0.7437000274658203,"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/T13364","display_name":"Digitalization, Law, and Regulation","score":0.15870000422000885,"subfield":{"id":"https://openalex.org/subfields/3308","display_name":"Law"},"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/T14291","display_name":"Indonesian Legal and Regulatory Studies","score":0.06809999793767929,"subfield":{"id":"https://openalex.org/subfields/3308","display_name":"Law"},"field":{"id":"https://openalex.org/fields/33","display_name":"Social Sciences"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}}],"keywords":[{"id":"https://openalex.org/keywords/fintech","display_name":"fintech","score":0.6679999828338623},{"id":"https://openalex.org/keywords/fintech-regulation","display_name":"fintech regulation","score":0.9760000109672546},{"id":"https://openalex.org/keywords/consumer-protection","display_name":"consumer protection","score":0.8759999871253967},{"id":"https://openalex.org/keywords/digital-economy-regulation","display_name":"digital economy regulation","score":0.7480000257492065},{"id":"https://openalex.org/keywords/data-protection","display_name":"data protection","score":0.6639999747276306},{"id":"https://openalex.org/keywords/electronic-payment-security","display_name":"digital payment security","score":0.9850000143051147},{"id":"https://openalex.org/keywords/digital-literacy","display_name":"digital literacy","score":0.7879999876022339},{"id":"https://openalex.org/keywords/phishing","display_name":"phishing","score":0.7390000224113464},{"id":"https://openalex.org/keywords/data-theft","display_name":"data theft","score":0.8109999895095825},{"id":"https://openalex.org/keywords/financial-inclusion","display_name":"financial inclusion","score":0.7390000224113464}],"concepts":[{"id":"https://openalex.org/C540431452","wikidata":"https://www.wikidata.org/wiki/Q16319025","display_name":"FinTech","level":3,"score":0.6797000169754028},{"id":"https://openalex.org/C144133560","wikidata":"https://www.wikidata.org/wiki/Q4830453","display_name":"Business","level":0,"score":0.6333000063896179},{"id":"https://openalex.org/C2989499966","wikidata":"https://www.wikidata.org/wiki/Q664183","display_name":"Consumer protection","level":2,"score":0.5623999834060669},{"id":"https://openalex.org/C203043789","wikidata":"https://www.wikidata.org/wiki/Q138461","display_name":"Digital economy","level":2,"score":0.5421000123023987},{"id":"https://openalex.org/C139043278","wikidata":"https://www.wikidata.org/wiki/Q837171","display_name":"Financial services","level":2,"score":0.5407999753952026},{"id":"https://openalex.org/C20220385","wikidata":"https://www.wikidata.org/wiki/Q3039961","display_name":"Consumer Bill of Rights","level":3,"score":0.5202999711036682},{"id":"https://openalex.org/C53844881","wikidata":"https://www.wikidata.org/wiki/Q856122","display_name":"Modernization theory","level":2,"score":0.5016000270843506},{"id":"https://openalex.org/C145097563","wikidata":"https://www.wikidata.org/wiki/Q1148747","display_name":"Payment","level":2,"score":0.4997999966144562},{"id":"https://openalex.org/C158129432","wikidata":"https://www.wikidata.org/wiki/Q7766927","display_name":"Statutory law","level":2,"score":0.45179998874664307},{"id":"https://openalex.org/C164516710","wikidata":"https://www.wikidata.org/wiki/Q1166072","display_name":"Financial transaction","level":3,"score":0.41589999198913574},{"id":"https://openalex.org/C44725695","wikidata":"https://www.wikidata.org/wiki/Q288156","display_name":"Normative","level":2,"score":0.4097999930381775},{"id":"https://openalex.org/C2777834853","wikidata":"https://www.wikidata.org/wiki/Q96776939","display_name":"Liability","level":2,"score":0.39489999413490295},{"id":"https://openalex.org/C510755694","wikidata":"https://www.wikidata.org/wiki/Q281095","display_name":"Financial regulation","level":2,"score":0.3885999917984009},{"id":"https://openalex.org/C185822510","wikidata":"https://www.wikidata.org/wiki/Q1956140","display_name":"Payment service provider","level":3,"score":0.3617999851703644},{"id":"https://openalex.org/C121017731","wikidata":"https://www.wikidata.org/wiki/Q11661","display_name":"Information technology","level":2,"score":0.35989999771118164},{"id":"https://openalex.org/C76178495","wikidata":"https://www.wikidata.org/wiki/Q4808784","display_name":"Asset (computer security)","level":2,"score":0.35510000586509705},{"id":"https://openalex.org/C527648132","wikidata":"https://www.wikidata.org/wiki/Q189900","display_name":"Information security","level":2,"score":0.3513000011444092},{"id":"https://openalex.org/C10511746","wikidata":"https://www.wikidata.org/wiki/Q899388","display_name":"Data security","level":3,"score":0.3499000072479248},{"id":"https://openalex.org/C69360830","wikidata":"https://www.wikidata.org/wiki/Q1172237","display_name":"Data Protection Act 1998","level":2,"score":0.34940001368522644},{"id":"https://openalex.org/C2777064627","wikidata":"https://www.wikidata.org/wiki/Q3151423","display_name":"Financial innovation","level":2,"score":0.32420000433921814},{"id":"https://openalex.org/C10138342","wikidata":"https://www.wikidata.org/wiki/Q43015","display_name":"Finance","level":1,"score":0.32010000944137573},{"id":"https://openalex.org/C2778132726","wikidata":"https://www.wikidata.org/wiki/Q1096872","display_name":"Digital Revolution","level":2,"score":0.311599999666214},{"id":"https://openalex.org/C162324750","wikidata":"https://www.wikidata.org/wiki/Q8134","display_name":"Economics","level":0,"score":0.3075000047683716},{"id":"https://openalex.org/C162853370","wikidata":"https://www.wikidata.org/wiki/Q39809","display_name":"Marketing","level":1,"score":0.3066999912261963},{"id":"https://openalex.org/C54750564","wikidata":"https://www.wikidata.org/wiki/Q26643","display_name":"Commerce","level":1,"score":0.30239999294281006},{"id":"https://openalex.org/C207267971","wikidata":"https://www.wikidata.org/wiki/Q120208","display_name":"Emerging technologies","level":2,"score":0.3009999990463257},{"id":"https://openalex.org/C83860907","wikidata":"https://www.wikidata.org/wiki/Q135005","display_name":"Phishing","level":3,"score":0.29980000853538513},{"id":"https://openalex.org/C169093310","wikidata":"https://www.wikidata.org/wiki/Q3702971","display_name":"Personally identifiable information","level":2,"score":0.2849000096321106},{"id":"https://openalex.org/C126082660","wikidata":"https://www.wikidata.org/wiki/Q4252370","display_name":"Digital transformation","level":2,"score":0.2797999978065491},{"id":"https://openalex.org/C154908896","wikidata":"https://www.wikidata.org/wiki/Q2167404","display_name":"Security policy","level":2,"score":0.27790001034736633},{"id":"https://openalex.org/C78597825","wikidata":"https://www.wikidata.org/wiki/Q484847","display_name":"E-commerce","level":2,"score":0.2766000032424927},{"id":"https://openalex.org/C121955636","wikidata":"https://www.wikidata.org/wiki/Q4116214","display_name":"Accounting","level":1,"score":0.2766000032424927},{"id":"https://openalex.org/C2777941463","wikidata":"https://www.wikidata.org/wiki/Q1416374","display_name":"Financial literacy","level":2,"score":0.2667999863624573},{"id":"https://openalex.org/C160949748","wikidata":"https://www.wikidata.org/wiki/Q1365703","display_name":"Mobile payment","level":3,"score":0.265500009059906},{"id":"https://openalex.org/C2992423588","wikidata":"https://www.wikidata.org/wiki/Q5449744","display_name":"Financial security","level":2,"score":0.26089999079704285},{"id":"https://openalex.org/C2779251847","wikidata":"https://www.wikidata.org/wiki/Q60852","display_name":"Financial inclusion","level":3,"score":0.2578999996185303},{"id":"https://openalex.org/C38652104","wikidata":"https://www.wikidata.org/wiki/Q3510521","display_name":"Computer security","level":1,"score":0.25619998574256897}],"mesh":[],"locations_count":2,"locations":[{"id":"doi:10.15294/lslr.v9i2.24927","doi":"https://doi.org/10.15294/lslr.v9i2.24927","is_oa":true,"landing_page_url":"https://doi.org/10.15294/lslr.v9i2.24927","pdf_url":null,"source":{"id":"https://openalex.org/S4210203203","display_name":"Lex Scientia Law Review","issn_l":"2598-9677","issn":["2598-9677","2598-9685"],"is_oa":true,"is_in_doaj":true,"is_core":false,"listed_in":["doaj","jufo-1","poland-20"],"host_organization":"https://openalex.org/P4310315184","host_organization_name":"State University of Semarang","host_organization_lineage":["https://openalex.org/P4310315184"],"host_organization_lineage_names":["State University of Semarang"],"type":"journal"},"license":"cc-by-nc-sa","license_id":"https://openalex.org/licenses/cc-by-nc-sa","version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"Lex Scientia Law Review","raw_type":"journal-article"},{"id":"pmh:oai:doaj.org/article:3a029ee74e684f6f9612cc000131fda4","doi":null,"is_oa":false,"landing_page_url":"https://doaj.org/article/3a029ee74e684f6f9612cc000131fda4","pdf_url":null,"source":{"id":"https://openalex.org/S4306401280","display_name":"DOAJ (DOAJ: Directory of Open Access Journals)","issn_l":null,"issn":null,"is_oa":false,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":null,"host_organization_name":null,"host_organization_lineage":[],"host_organization_lineage_names":[],"type":"repository"},"license":null,"license_id":null,"version":"submittedVersion","is_accepted":false,"is_published":false,"raw_source_name":"Lex Scientia Law Review, Vol 9, Iss 2 (2025)","raw_type":"article"}],"best_oa_location":{"id":"doi:10.15294/lslr.v9i2.24927","doi":"https://doi.org/10.15294/lslr.v9i2.24927","is_oa":true,"landing_page_url":"https://doi.org/10.15294/lslr.v9i2.24927","pdf_url":null,"source":{"id":"https://openalex.org/S4210203203","display_name":"Lex Scientia Law Review","issn_l":"2598-9677","issn":["2598-9677","2598-9685"],"is_oa":true,"is_in_doaj":true,"is_core":false,"listed_in":["doaj","jufo-1","poland-20"],"host_organization":"https://openalex.org/P4310315184","host_organization_name":"State University of Semarang","host_organization_lineage":["https://openalex.org/P4310315184"],"host_organization_lineage_names":["State University of Semarang"],"type":"journal"},"license":"cc-by-nc-sa","license_id":"https://openalex.org/licenses/cc-by-nc-sa","version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"Lex Scientia Law Review","raw_type":"journal-article"},"sustainable_development_goals":[{"score":0.8999999761581421,"display_name":"Peace, justice, and strong institutions","id":"https://metadata.un.org/sdg/16"}],"study_designs":[],"awards":[],"funders":[],"has_content":{"pdf":false,"grobid_xml":false},"content_urls":null,"referenced_works_count":0,"referenced_works":[],"related_works":["https://openalex.org/W4412119416","https://openalex.org/W7216400694","https://openalex.org/W6912050889","https://openalex.org/W4417500099","https://openalex.org/W7118419389","https://openalex.org/W7171557676","https://openalex.org/W7217187875","https://openalex.org/W7220082838","https://openalex.org/W7218071614","https://openalex.org/W7220157640"],"abstract_inverted_index":{"Financial":[0],"technology":[1,26],"has":[2,12],"experienced":[3],"rapid":[4,22],"expansion":[5],"amidst":[6],"the":[7,74],"digital":[8,55],"economic":[9],"development":[10],"that":[11,78,104,128],"made":[13],"services":[14],"more":[15],"accessible":[16],"while":[17,133],"increasing":[18,60],"financial":[19,25,85],"inclusion.":[20],"The":[21,33,47,90,101],"growth":[23],"of":[24,49,62],"creates":[27],"substantial":[28],"challenges":[29],"for":[30],"consumer":[31,80,139],"protection.":[32,140],"primary":[34],"problems":[35],"arise":[36],"from":[37],"inadequate":[38],"data":[39,63],"protection":[40,110],"measures":[41,52],"and":[42,53,67,82,119],"electronic":[43],"payment":[44],"security":[45,51,121],"protocols.":[46],"lack":[48],"proper":[50],"insufficient":[54],"literacy":[56],"exposes":[57],"consumers":[58],"to":[59,114,130,136],"risks":[61],"theft,":[64],"phishing":[65],"attacks,":[66],"personal":[68],"information":[69],"misuse.":[70],"This":[71],"research":[72,96,102],"evaluates":[73],"current":[75],"regulatory":[76,106,126],"structure":[77],"defends":[79],"rights":[81],"ensures":[83],"secure":[84],"operations":[86],"through":[87,98],"technological":[88,117],"systems.":[89],"study":[91],"adopts":[92],"a":[93,125],"normative":[94],"legal":[95],"method":[97],"statutory":[99],"analysis.":[100],"shows":[103],"Indonesia's":[105],"framework":[107,127],"extends":[108],"broad":[109],"but":[111],"requires":[112,124],"modernization":[113],"address":[115],"contemporary":[116],"developments":[118],"emerging":[120],"risks.":[122],"Fintech":[123],"adjusts":[129],"evolving":[131],"conditions":[132],"fostering":[134],"partnerships":[135],"deliver":[137],"adequate":[138]},"counts_by_year":[{"year":2026,"cited_by_count":8},{"year":2025,"cited_by_count":2}],"updated_date":"2026-11-07T11:25:07.637180","created_date":"2025-11-19T00:00:00"}
