Risiko dan peraturan: fintech untuk sistem stabilitas keuangan

Dhidhin Noer Ady Rahmanto, Nasrullah Nasrullah

Abstract


Perkembangan bentuk uang telah berevolusi menjadi uang virtual ataupun digital. Hadirnya alat transaksi dengan cara model baru maka pelayanan keuangan akan berkembang menggunakan fasilitas digital. Namun, hal ini dapat menjadikan sebuah risiko ataupun tantangan yang harus dihadapi. Penelitian ini bertujuan menawarkan sebuah jalan dalam mitigasi risiko melalui pengukuran seberapa besar pengaruh dari industrialisasi keuangan berbasis teknologi atau FinTech terhadap stabilisasi sistem keuangan dan memantau risiko yang akan dihadapi dari sisi manakah yang akan terkena pengaruh oleh FinTech. Sampel menggunakan perusahaan fintech, tehnik analysis pendekatan kualitatif, sedangkan analisis yang digunakan analisis strategis mitigasi risiko dengan analysis SWOT. Hasil Penelitian menunjukkan bahwa FinTech mempunyai kandungan risiko yang melekat yaitu risiko finansial dan risiko technologi. Pengelolaan risiko dapat dikelola dengan berbagai cara sesuai dengan biaya yang dibutuhkan dan efisiensi dalam pengelolaan. Macam penanggulangan risiko yang diantaranya risiko lebih baik dihindari, risiko dapat ditahan, risiko diversifikasi, risiko ditransfer, risiko dikendalikan, risiko didanai.

Keywords


Teknologi keuangan; mitigasi risiko; sistem stabilitas

References


Arner, Douglas dkk, 2015. The Evolution of FinTech: A New Post-Crisis Paradigm?, University of New South Wales Law, Research Series, UNSW Sydney : Australia

Arner, Douglas, 2014. FinTech and RegTech : Opportunities and Challenges, Asian Institute of International Financial Law University of Hong Kong

Atz, Ulrich and David Bholat, 2016. Peer-to-Peer Lending and Financial Innovation in the United Kingdom, Bank of England, UK. Working Paper No. 598

Boot, Arnould W.A. 2016 Understanding the Future of Banking Scale & Scope Economies, and FinTech. University of Amsterdam : Netherlands

Buckley, Ross. and Sarah Webster, 2016. FinTech in Developing Countries: Charting New Customer Journeys, The Capco Institute Journal of Financial Transformation vol. 44

Bunea, Sinziana, dkk. 2016. Banks versus FinTech: At Last, The Capco Institute Journal of Financial Transformation vol. 44

Chiu, Irish H.Y, 2016. FinTech and Disruptive Business Models in Financial Products, Intermediation and Markets-Policy Implications for Financial Regulators, Journal of Technology Law & Policy, Vol. 21. UCL : Athens

Darolles, Serge, 2016. The Rise of FinTechs and Their Regulation, Financial Stability Review, Financial Stability in The Digital Era, Banque De France : France

Hadi, Fauziah, 2016. Penerapan FinTech Sebagai Inovasi Pengembangan Keuangan Digital di Indonesia http ://temilnas16.forsebi.org/

Herrera, Diego. 2016. Alternative Finance (Crowdfunding) Regulation in Latin America and The Caribbean, Inter-American Development Bank

Koffi, H.W.S., 2016. The FinTech Revolution: An Opportunity for the West African Financial Sector, Scientific Research Publishing, Shanghai University, Shanghai : China

Lee, David K.C and Ernie G.S Teo. 2015. Emergence of FinTech and the LASIC Principles. The Journal of Financial Perspectives. U.K

Magnus, M and A. Margerit. 2017. The Financial Stability Board, European Parliament, An Overview of the Work 2017. PE 587.391

Murphy, J. Parker, 2017. More Sense than Money: National Charter Option for FinTech Firms is The Right Choice. The Journal of Law & Technology Vol. 18 Issue April 359, North Carolina

Nakaso, Hiroshi, 2016. FinTech Its Impacts on Finance, Economies and Central Banking, University of Tokyo : Japan

Pollari, Ian and Partner 2016, The Rise of FinTech ; Opportunity and Challenges. JASSA The Finsia Journal of Applied Finance, ISSUE 3. KPMG Australia

Treleaven, Phillip, 2015. Financial Regulation of FinTech. The Journal of Financial Perspectives. U.K

Smets, Jan, 2016. FinTech and Central Banks ; FinTech and The Future of Retail Banking, Colloquium of The Belgian Financial Forum in Cooperation with Suerf, Belgium.

Vasiljeva, Tatjana and Lukanova, K. 2016. Commercial Banks and FinTech Companies in The Digital Transformation: Challenges for The Future , Journal of Business Management, Latvia. Issue No.11. ISSN 1691-5348




DOI: http://dx.doi.org/10.29264/jinv.v15i1.4339

Refbacks

  • There are currently no refbacks.


Copyright (c) 2019 INOVASI


Indexing: