Perlindungan Sistem Keuangan Digital Dari Tindak Pidana Pencucian Uang: Studi Normatif Atas Regulasi Financial Technology Di Indonesia

Putri, Clara Cornelia and -, Diana Setiawati, S.H., LLM. (2026) Perlindungan Sistem Keuangan Digital Dari Tindak Pidana Pencucian Uang: Studi Normatif Atas Regulasi Financial Technology Di Indonesia. Skripsi thesis, Universitas Muhammadiyah Surakarta.

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Abstract

The development of financial technology in Indonesia has shifted the conventional financial system towards faster digital services, particularly in the trading of crypto assets, which are characterized by pseudonymity, decentralization, and cross-border transactions, making them vulnerable to misuse for money laundering. This study uses a normative juridical method with data sources consisting of primary legal materials (such as Law Number 8 of 2010 concerning the Prevention and Eradication of Money Laundering, Law Number 4 of 2023 concerning the Development and Strengthening of the Financial Sector, and Financial Services Authority Regulation Number 27 of 2024 concerning the Implementation of Digital Financial Asset Trading, Including Crypto Assets) and secondary legal materials (such as legal literature and academic journals). The results of the study indicate that the legal system in Indonesia has a fairly strong foundation, but still has several regulatory weaknesses. These weaknesses include the lack of technical standards for biometric security for electronic know-your-customer (eCustomer Know-Your-Customer), which is vulnerable to deepfake manipulation; overlapping authority between the Financial Services Authority (OJK) and the Commodity Futures Trading Regulatory Agency (BKTF); conflicts between the obligation to report suspicious transactions and the protection of personal data; and the difficulty of proving ownership of crypto assets due to the need for private keys. The study concludes with the need for regulatory harmonization between regulatory agencies, the establishment of binding technical standards for biometric security, and strengthened collaboration between the Financial Services Authority (OJK), the Financial Transaction Reports and Analysis Center (PPATK), and law enforcement officials to strengthen the prevention of money laundering in Indonesia's crypto asset sector.

Item Type:	Thesis (Skripsi)
Uncontrolled Keywords:	Perlindungan Sistem Keuangan Digital, Tindak Pidana Pencucian Uang, Aset Kripto, Regulasi Financial Technology, Electronik Know Your Customer.
Subjects:	K Law > Indonesia Law
Divisions:	Fakultas Hukum > S1 Ilmu Hukum
Depositing User:	CLARA CORNELIA PUTRI
Date Deposited:	09 Jul 2026 02:19
Last Modified:	09 Jul 2026 02:19
URI:	http://eprints.ums.ac.id/id/eprint/145994

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