Proceedings of the International Conference on Law Studies (INCOLS 2022)

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Legal Protection for Emergency Call Parties Related to Unfulfilled Achievements in Fintech Transactions Based P2P Lending

Authors
Enina Wika Vetricha Wulandari1, *, Silvia Anita Azmi1
1Faculty of Law, Universitas Prima Indonesia, Medan, Indonesia
*Corresponding author. Email: eninawikavwp@gmail.com
Corresponding Author
Enina Wika Vetricha Wulandari
Available Online 9 December 2022.
DOI
10.2991/978-2-494069-23-7_11How to use a DOI?
Keywords
Legal Protection; Online Loans; Emergency Call; Fintech; Peer to Peer Lending
Abstract

Currently, technology is developing rapidly with the latest innovations, one of them in the field of financial services. With the advent of peer to peer lending-based financial technology in the form of online loan provider services using only smartphones, and the way of submission is quite easy. However, behind an easy submission, there is considerable interest and even if the debtor can’t pay off the loan, the creditor will take a unilateral decision by disseminating the personal data of the debtor. Many people complain about the dissemination of personal data by online loan service providers without the consent of the owner of the personal data. Before making a loan, the debtor must complete the requirements in making online loan applications such as identity card, selfie with identity card, job data, cellphone numbers, to emergency calls as guarantor. It isn’t only the borrower’s personal data that is misused, even the privacy rights of emergency calls are often misused by online loan service providers. This research was conducted to review the legal protection of emergency call parties who are used as guarantor, by the debtor, without the approval of the emergency call, in the online loan application.

Copyright
© 2023 The Author(s)
Open Access
Open Access This chapter is licensed under the terms of the Creative Commons Attribution-NonCommercial 4.0 International License (http://creativecommons.org/licenses/by-nc/4.0/), which permits any noncommercial use, sharing, adaptation, distribution and reproduction in any medium or format, as long as you give appropriate credit to the original author(s) and the source, provide a link to the Creative Commons license and indicate if changes were made.

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Volume Title
Proceedings of the International Conference on Law Studies (INCOLS 2022)
Series
Advances in Social Science, Education and Humanities Research
Publication Date
9 December 2022
ISBN
10.2991/978-2-494069-23-7_11
ISSN
2352-5398
DOI
10.2991/978-2-494069-23-7_11How to use a DOI?
Copyright
© 2023 The Author(s)
Open Access
Open Access This chapter is licensed under the terms of the Creative Commons Attribution-NonCommercial 4.0 International License (http://creativecommons.org/licenses/by-nc/4.0/), which permits any noncommercial use, sharing, adaptation, distribution and reproduction in any medium or format, as long as you give appropriate credit to the original author(s) and the source, provide a link to the Creative Commons license and indicate if changes were made.

Cite this article

risenwbib
TY  - CONF
AU  - Enina Wika Vetricha Wulandari
AU  - Silvia Anita Azmi
PY  - 2022
DA  - 2022/12/09
TI  - Legal Protection for Emergency Call Parties Related to Unfulfilled Achievements in Fintech Transactions Based P2P Lending
BT  - Proceedings of the International Conference on Law Studies (INCOLS 2022)
PB  - Atlantis Press
SP  - 115
EP  - 129
SN  - 2352-5398
UR  - https://doi.org/10.2991/978-2-494069-23-7_11
DO  - 10.2991/978-2-494069-23-7_11
ID  - Wulandari2022
ER  -