Legal protection of personal data in information technology-based online loans via the UangMe Application
Keywords:
Lending and Borrowing, Online Loans, Privacy, Personal Data Protection, UangMeAbstract
The expansion of information technology-based lending has increased access to credit while intensifying the processing of borrowers' personal data. This study examines legal protection for borrowers' personal data and the legal responsibility of an online lending provider through the UangMe application. The research uses normative juridical legal research with statutory and case approaches. Primary legal materials include Law Number 27 of 2022 on Personal Data Protection, Law Number 8 of 1999 on Consumer Protection, Law Number 1 of 2024 on Electronic Information and Transactions, Financial Services Authority Regulation Number 22 of 2023, and the currently applicable Financial Services Authority Regulation Number 40 of 2024 on Information Technology-Based Joint Funding Services. Case materials consist of documented public user complaints concerning data deletion, transparency, access to device data, debt-collection pressure, and complaint handling. The findings show that Indonesia already provides a multi-layered protection framework, but effective protection depends on data minimization, transparent processing, accurate records, effective deletion mechanisms, secure complaint channels, and enforceable supervision. The UangMe-related complaints used in this research are treated as allegations and indicators of legal risk rather than adjudicated violations. Where a violation is proven, provider responsibility may arise through administrative sanctions, civil compensation, and other consequences available under personal data and consumer protection law. The study contributes a case-based mapping between user complaint patterns and the current post-2024 regulatory framework.
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