DIGITAL INTEGRATED FINANCIAL CREDIT SCORING SEBAGAI PEMBAHARUAN HUKUM EKONOMI DI ERA DIGITAL SOCIETY 5.0

Abstract

Tujuan penulisan pada penelitian ini adalah untuk mengetahui pengaturan dan pelaksanaan financial technology innovative credit scoring sebagai penyelenggara digital credit scoring dalam hukum positif di Indonesia dan rekonstruksi hukum penerapan Digital Integrated Financial Credit Scoring (DIFCS) sebagai katalisator pertumbuhan ekonomi di era digital society 5.0. Penelitian pada jurnal ini merupakan penelitian hukum doktrinal yang menggunakan data sekunder serta menggunakan pendekatan perundang-undangan dan pendekatan konseptual. Hasil temuan studi dalam penelitian ini adalah (1) Pengaturan financial technology innovative credit scoring telah diatur menjadi bagian pada salah satu kluster di POJK 13/2018. Konsep financial technology innovative credit scoring memanfaatkan digital footprint pengguna yang diolah dengan artificial intelligence dan machine learning untuk meningkatkan aksesibilitas masyarakat terhadap sistem penilaian kredit; (2) Pengintegrasian sistem digital credit scoring dengan sistem credit scoring perbankan konvensional ke dalam suatu database digital integrated financial credit scoring (DIFCS) dapat menjadi solusi untuk meningkatkan keakuratan penilaian dan akses kredit bagi segmentasi masyarakat yang tidak memiliki akses layanan sektor keuangan formal perbankan.

The purpose of this study is to determine the regulation and implementation of financial technology innovative credit scoring as a provider of digital credit scoring in Indonesian positive law, as well as the legal reconstruction of the application of Digital Integrated Financial Credit Scoring (DIFCS) as a catalyst for economic growth in the digital society. 5.0. This journal publishes doctrinal legal research that uses secondary data, a statutory approach, and a conceptual approach. (1) Financial technology innovative credit scoring arrangements have been controlled as part of one of the clusters in POJK 13/2018, according to the study findings in this research. To increase public access to the credit scoring system, the financial technology novel credit scoring concept uses the user's digital footprint, which is processed with artificial intelligence and machine learning. (2) Integrating the digital credit scoring system with the traditional banking credit scoring system into a digital integrated financial credit scoring (DIFCS) database may be a solution for increasing assessment accuracy and credit access for segments of society who do not have access to formal banking financial sector services.