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September 10, 2025International Journal of Law and Society

Consumer Rights in the Fintech Lending Era Amid Legal Challenges of a Borderless World

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Authors

OAOktaviana Ayu Sekar ARPRina Arum Prastyanti

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Overview

Normative analysis reveals gaps in consumer protection in cross-border fintech lending, suggesting global regulatory harmonization.

Key Points

  • Gaps in consumer protection persist due to inadequate legal frameworks in cross-border fintech lending.
  • Around the globe, regulatory fragmentation complicates the enforcement of consumer rights in digital lending.
  • Using a comparative approach, the research highlights the contrasting efficacy of Indonesia's regulations with international standards.
  • Urgent action is required to improve digital literacy and establish international cooperation for consumer protection.

Cite This Study

A et al. (2025) studied this question.

synapsesocial.com/papers/68c240deb210217d6479c4eehttps://doi.org/10.62951/ijls.v2i3.577
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Also Consider

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  1. 1The Implications for Consumer Protection Against Online Loans in the Spotlight of Civil Law2025
  2. 2Indonesia’s Online Loan Challenges: What Legal Actions Can Solve the Most Pressing Issues?2025
  3. 3Legal Protection for Financial Technology Peer to Peer Lending Debtors Against Doxing Actions by Creditors2024
  4. 4Analysis of Consumer Rights Protection Against the Misuse of Personal Data in Fintech Services2025
  5. 5Reformulation of Third-Party Protection in Online Loan Collection Provisions2025