{"id":417391,"date":"2019-07-23T17:44:33","date_gmt":"2019-07-23T10:44:33","guid":{"rendered":"http:\/\/vibiznews.com\/?p=417391"},"modified":"2019-07-23T17:44:33","modified_gmt":"2019-07-23T10:44:33","slug":"pelaku-fintech-p2p-lending-kini-boleh-mengakses-imei","status":"publish","type":"post","link":"https:\/\/vibiznews.com\/index.php\/2019\/07\/23\/pelaku-fintech-p2p-lending-kini-boleh-mengakses-imei\/","title":{"rendered":"Pelaku Fintech P2P Lending Kini Boleh Mengakses IMEI"},"content":{"rendered":"<p style=\"text-align: justify;\">(Vibiznews \u2013 Technology) \u2013Perkembangan<em>\u00a0fintech lending<\/em>\u00a0di negara kita terbilang pesat. Perlu diketahui, akumulasi pinjaman lewat<em>\u00a0fintech lending<\/em>\u00a0hingga Mei 2019 tercatat sebesar Rp 41,04 triliun. Nilai ini tumbuh 81,11% dibandingkan tahun lalu atau<em>\u00a0year to date\u00a0<\/em>(ytd) di 2018 sebesar Rp 22,66 triliun. Adapun\u00a0<em>fintech<\/em>\u00a0P2P yang terdaftar di OJK sebanyak 113 entitas, di antaranya baru ada tujuh entitas yang mendapatkan izin dari regulator.<\/p>\n<p style=\"text-align: justify;\">Oleh karena itu untuk memperkuat <em>fintech peer to peer lending<\/em>, Otoritas Jasa Keuangan (OJK) telah menyusun peraturan teknis terkait pelaksanaan pendaftaran, perizinan, pengawasan, sistem\u00a0<em>monitoring online fintech lending<\/em>, termasuk penggunaan E-KYC (<em>electronic know your custumer<\/em>),\u00a0<em>bimoteric, digital signature,<\/em>\u00a0dan dokumen elektronik.<\/p>\n<p style=\"text-align: justify;\">Sedangkan untuk mengantisipasi risiko atas perkembangan<em>\u00a0fintech lending<\/em>\u00a0yang sangat pesat, OJK bersama asosiasi Asosiasi Fintech Pendanaan Bersama Indonesia (AFPI) telah mengeluarkan ketentuan sebagai turunan dari peraturan teknis ini. Di antaranya larangan untuk mengakses data pribadi digital pengguna selain yang didapatkan dari kamera, mikrofon, serta informasi lokasi pengguna.<\/p>\n<p style=\"text-align: justify;\">Namun belum lama ini, OJK memberikan izin bagi para pelaku\u00a0<em>fintech peer to peer lending<\/em>\u00a0untuk mengakses nomor identitas asli ponsel atau<em>\u00a0International Mobile Equipment Identity<\/em>\u00a0(IMEI) baik pemberi pinjaman (lender) maupun peminjam (borrower).\u00a0IMEI adalah suatu Nomor identifikasi yang terdapat pada setiap\u00a0<em>gadget handphone<\/em>. Jadi, akses mendapatkan IMEI dapat dilakukan bila diberikan persetujuan si pengguna\/pemilik\u00a0<em>gadget handphone.<\/em><\/p>\n<p style=\"text-align: justify;\">Direktur Pengaturan Perizinan dan Pengawasan Fintech OJK Hendrikus Passagi menyatakan pembukaan akses IMEI merupakan bagian akses lokasi yang sudah diizinkan sebelumnya. Lokasi itu secara teknologi di handphone bisa diakses melalui GPS antena maupun satelit. Jadi ini bukan hal baru, sebab untuk akses lokasi handphone juga bisa lewat antena dengan teknologi IMEI. Menurutnya, tujuan pemberian akses IMEI ini untuk mengetahui dan mitigasi kebenaran pengguna platform P2P lending dalam memperkuat E-KYC.<\/p>\n<p style=\"text-align: justify;\">Asosiasi\u00a0<em>Fintech\u00a0<\/em>Pendanaan Bersama Indonesia (AFPI) menyatakan akses ini memiliki peranan yang penting bagi industri\u00a0<em>fintech\u00a0<\/em>P2P\u00a0<em>lending\u00a0<\/em>di Indonesia. Ketua Harian AFPI Kuseryansyah mengaku menerima surat restu akses IMEI dari OJK ini pada Juni 2019 lalu. Dengan dibukanya akses IMEI ini ada informasi mengenai GSM dan GPS yang bisa menghindari penipuan (fraud). Ia mencontohkan bila seseorang mengaku tinggal di lokasi X maka dengan teknologi\u00a0<em>fintech\u00a0<\/em>bisa memahami perilaku terkait lokasi orang tersebut.<\/p>\n<p style=\"text-align: justify;\">\u201cDengan adanya data IMEI yang menunjukkan lokasi maka dengan\u00a0<em>machine learning\u00a0<\/em>dan algoritma kita kita bisa mengetahui bahwa orang ini betul tinggal di sana dan bekerja di mana. Ini menjadi angin segar bagi industri. AFPI akan terus minta keleluasaan kepada OJK, namun OJK meminta pertanggungan jawab atas keleluasaan yang diberikan, oleh karena itu anggota AFPI terus memperbaiki sistem mereka dalam mengelola data.<\/p>\n<p style=\"text-align: justify;\">Ia menyatakan bila pemain\u00a0<em>fintech\u00a0<\/em>menyalahgunakan keleluasaan ini, maka OJK akan mencabut izin dan tanda daftar. Oleh sebab itu, Ia mengaku anggota AFPI terus memperbaiki sistem mereka dalam mengelola data. Kusersyansyah mengaku OJK masih akan membatasi beberapa data lain hingga Undang Undang Perlindungan Data Pribadi terbit.<\/p>\n<p style=\"text-align: justify;\">\n<p>&nbsp;<\/p>\n<p><em>Belinda Kosasih\/ Partner of Banking Business Services\/Vibiz Consulting <\/em><\/p>\n<p><em>Editor : Asido Situmorang<\/em><\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>(Vibiznews \u2013 Technology) \u2013Perkembangan\u00a0fintech lending\u00a0di negara kita terbilang pesat. Perlu diketahui, akumulasi pinjaman lewat\u00a0fintech lending\u00a0hingga Mei 2019 tercatat sebesar Rp 41,04 triliun. Nilai ini tumbuh 81,11% dibandingkan tahun lalu atau\u00a0year to date\u00a0(ytd) di 2018 sebesar Rp 22,66 triliun. Adapun\u00a0fintech\u00a0P2P yang terdaftar di OJK sebanyak 113 entitas, di antaranya baru ada tujuh entitas yang mendapatkan izin [&hellip;]<\/p>\n","protected":false},"author":101013,"featured_media":404893,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_exactmetrics_skip_tracking":false,"_exactmetrics_sitenote_active":false,"_exactmetrics_sitenote_note":"","_exactmetrics_sitenote_category":0,"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"categories":[183],"tags":[9307],"class_list":["post-417391","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-technology","tag-pelaku-fintech-p2p-lending-kini-boleh-mengakses-imei"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.9 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Pelaku Fintech P2P Lending Kini Boleh Mengakses IMEI - Vibiznews.com<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/vibiznews.com\/index.php\/2019\/07\/23\/pelaku-fintech-p2p-lending-kini-boleh-mengakses-imei\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Pelaku Fintech P2P Lending Kini Boleh Mengakses IMEI - Vibiznews.com\" \/>\n<meta property=\"og:description\" content=\"(Vibiznews \u2013 Technology) \u2013Perkembangan\u00a0fintech lending\u00a0di negara kita terbilang pesat. Perlu diketahui, akumulasi pinjaman lewat\u00a0fintech lending\u00a0hingga Mei 2019 tercatat sebesar Rp 41,04 triliun. Nilai ini tumbuh 81,11% dibandingkan tahun lalu atau\u00a0year to date\u00a0(ytd) di 2018 sebesar Rp 22,66 triliun. 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