Tantangan Industri Fintech | Pinjol Ilegal Masih Marak | OBROLANBISNIS.com — Industri fintech di Indonesia terus tumbuh yang ditunjukkan dengan semakin banyaknya penyelenggara fintech berlisensi, ragam solusi jasa keuangan yang ditawarkan serta adopsi di pasar.
Namun demikian, industri fintech masih menghadapi sejumlah tantangan agar bisa terus berkembang, termasuk maraknya pinjaman online (Pinjol) illegal yang bisa menggerus kepercayaan masyarakat. Guna mengatasi masalah ini, perlu komitmen dan kolaborasi yanag melibatkan seluruh pemangku kepentingan.
Ketua Dewan Pengawas Asosasi Fintech Indonesia (AFTECH) Rudiantara mengatakan, dalam beberapa tahun industri fintech terus berkembang.
Ini bisa dilihat dari jumlah perusahaan fintech rintisan yang terdaftar sebagai anggota AFTECH meningkat dari 24 menjadi 275 pada akhir tahun 2019, dan pada akhir kuartal II tahun 2021 sudah mencapai 335.
“Jenis solusi fintech yang tersedia di pasar juga bervariasi, dari yang awalnya hanya Pembayaran Digital dan Pinjaman Online hingga kini mencakup dari lebih dari 20 model bisnis (vertikal) fintech seperti Aggregator, Innovative Credit Scoring, Perencana Keuangan, Layanan Urun Dana (Equity Crowdfunding), dan Wealth Management,” ujarnya.
TONTONAN ANDA
Berdasarkan statistik Bank Indonesia (BI), jumlah instrumen e-Money di Indonesia telah mencapai 513.968.693 pada Agustus 2021. Pada periode yang sama, akumulasi penyaluran pinjaman oleh fintech lending mencapai Rp249 triliun kepada 68,41 juta penerima pinjaman, merujuk data Otoritas Jasa Keuangan (OJK).
Industri fintech juga ikut berperan meningkatkan minat masyarakat berinvestasi, khususnya generasi muda. Berdasarkan data PT Bursa Efek Indonesia (BEI), investor dari kalangan milenial dan generasi Z mendominasi jumlah investor di pasar modal pada tahun ini.
Tercatat, jumlah investor dengan usia di bawah 40 tahun mencapai 1,91 juta orang atau 78,4% dari total investor sekitar 2,4 juta orang pada Juni 2021. Sementara khusus investor berusia 18-25 tahun, jumahnya 375 ribu atau 47,4% dari total investor baru pada 2021.
“Salah satu faktor yang menyebabkan jumlah investor naik signifikan adalah dukungan infrastruktur teknologi informasi dan simplifikasi pembukaan rekening. Data menunjukkan bahwa lebih dari 60% investor memiliki rekening di agen penjual fintech,” kata Rudiantara.
Tantangan Industri Fintech
Menurut Rudiantara, pesatnya pertumbuhan industri fintech di Indonesia dipengaruhi oleh beberapa faktor, antara lain investasi di industri fintech yang kian meningkat, jumlah penduduk usia kerja yang tinggi, penetrasi internet serta jumlah pengguna ponsel dan media sosial yang tumbuh dengan cepat.
Selain itu, banyaknya kelompok masyarakat yang belum tersentuh layanan perbankan (unbanked dan underbanked), serta regulasi yang kondusif.
Melihat tren yang ada, industri fintech diperkirakan tetap tumbuh dan berkembang di tahun-tahun mendatang. Namun demikian, industri fintech juga menghadapi sejumlah tantangan antara lain rendahnya literasi keuangan, infrastruktur dasar, dan modal/sumber daya yang terbatas, terutama di daerah-daerah non-metropolitan.
Selain itu, industri fintech di Tanah Air juga menghadapi tantangan lain berupa maraknya pinjol ilegal yang memengaruhi persepsi masyarakat terhadap industri fintech yang justru mengutamakan keamanan, di samping kemudahan dan kenyamanan.
INFO BISNIS
• Kenali Trik Pinjol Ilegal dan Legal
“Sebagai wadah bagi perusahaan fintech, AFTECH memandang serius persoalan Pinjol ilegal dan tidak tinggal diam. AFTECH telah melakukan berbagai langkah dan berkomitmen untuk terus berupaya mengatasi Pinjol ilegal, temasuk melalui langkah kolaboratif bersama regulator dan para pemangku kepentingan,” tegas Rudiantara.
AFTECH terus bekerjasama dengan regulator dan para pemangku kepentingan dalam melakukan edukasi dan sosilisasi untuk meningkatkan literasi masyarakat mengenai fintech, yang salah satu tujuannya adalah untuk meningkatkan kesadaran masyarakat mengenai pinjol ilegal.
Belum lama ini, AFTECH bekerjasama dengan regulator dan pihak-pihak terkait telah meluncurkan situs www.cekfintech.id.
Situs ini dapat menjadi saluran bagi masyarakat untuk mengenal dan mengidentifikasi pinjol ilegal, serta menjadi wadah untuk meningkatkan edukasi dan literasi mengenai fintech.
Masyarakat juga dapat memeriksa rekening bank yang diduga terindikasi tindak pidana melalui interkoneksi situs www.cekrekening.id yang diinisiasi oleh Kementerian Komunikasi dan Informatika.
INFO BISNIS
• Waspadai Pencatutan Nama dan Logo Penyelenggara Fintech
Sebelumnya pada September 2019, AFTECH, Asosiasi Fintech Pendanaan Bersama (AFPI), dan Asosiasi Fintech Syariah Indonesia (AFSI) telah meluncurkan Joint Code of Conduct atau Pedoman Perilaku Penyelenggara Teknologi Finansial di Sektor Jasa Keuangan yang Bertanggung Jawab.
Pedoman Perilaku tersebut mewajibkan setiap penyelenggara fintech untuk mematuhi setiap ketentuan peraturan perundang-undangan di bidang perlindungan konsumen yang berlaku, termasuk ketentuan peraturan perundang-undangan yang memiliki kaitan dengan perlindungan konsumen dari pihak-pihak yang terlibat di dalam kegiatan penyelenggaraan fintech.
Pedoman Perilaku tersebut melarang setiap penyelenggara fintech menggunakan pihak ketiga pendukung ekosistem Fintech yang tergolong dalam daftar hitam otoritas dan/atau asosiasi-ssosiasi fintech, termasuk pinjol ilegal.
“Kami juga memiliki Badan Dewan Kehormatan/Etik yang tugasnya menegakan penerapan Kode Etik anggota AFTECH. Jadi sudah ada prosesnya dan kami pun sudah pernah mencabut keanggotaan member yang memang terbukti menyalahi aturan. Ke depannya, kami akan terus meningkatkan kolaborasi dengan regulator dan para pemangku kepentingan guna memastikan terciptanya tata kelola industri fintech yang baik dan penerapan prinsip-prinsip perlindungan konsumen,” tandas Rudiantara. ***
Fintech Industry Challenges | Illegal Loaning is Still Rising | OBROLANBISNIS.com — The fintech industry in Indonesia continues to grow as indicated by the increasing number of licensed fintech operators, the variety of financial service solutions offered and adoption in the market.
However, the fintech industry still faces a number of challenges in order to continue to grow, including the rise of illegal online loans (Pinjol) that can erode public trust. To overcome this problem, it requires commitment and collaboration involving all stakeholders.
Chairman of the Supervisory Board of the Indonesian Fintech Association (AFTECH) Rudiantara said, in the past few years the fintech industry has continued to grow.
This can be seen from the number of startup fintech companies registered as AFTECH members increased from 24 to 275 at the end of 2019, and by the end of the second quarter of 2021 it had reached 335.
“The types of fintech solutions available in the market also vary, from initially only Digital Payments and Online Loans to now covering more than 20 (vertical) fintech business models such as Aggregators, Innovative Credit Scoring, Financial Planners, Equity Crowdfunding Services. , and Wealth Management,” he said.
Based on Bank Indonesia (BI) statistics, the number of e-Money instruments in Indonesia has reached 513,968,693 in August 2021. In the same period, accumulated lending by fintech lending reached IDR 249 trillion to 68.41 million loan recipients, referring to data from the Service Authority. Finance (OJK).
The fintech industry also plays a role in increasing public interest in investing, especially the younger generation. Based on data from the Indonesia Stock Exchange (IDX), investors from the millennial and generation Z circles dominate the number of investors in the capital market this year.
It was recorded that the number of investors under the age of 40 reached 1.91 million people or 78.4% of the total 2.4 million investors in June 2021. Meanwhile, specifically for investors aged 18-25 years, the number was 375 thousand or 47.4 % of total new investors in 2021.
“One of the factors that caused the number of investors to increase significantly was the support for information technology infrastructure and simplification of account opening. Data shows that more than 60% of investors have accounts with fintech selling agents,” said Rudiantara.
Fintech Industry Challenge
According to Rudiantara, the rapid growth of the fintech industry in Indonesia is influenced by several factors, including increasing investment in the fintech industry, a high number of working age population, internet penetration and the rapidly growing number of mobile phone and social media users.
In addition, there are many groups of people who have not been touched by banking services (unbanked and underbanked), as well as conducive regulations.
Looking at the existing trends, the fintech industry is expected to continue to grow and develop in the coming years. However, the fintech industry also faces a number of challenges, including low financial literacy, basic infrastructure, and limited capital/resources, especially in non-metropolitan areas.
In addition, the fintech industry in the country also faces other challenges in the form of rampant illegal lending that affects the public’s perception of the fintech industry which prioritizes security, in addition to convenience and comfort.
“As a platform for fintech companies, AFTECH takes the issue of illegal Pinjol seriously and does not remain silent. AFTECH has taken various steps and is committed to continuing to work against illegal Pinjol, including through collaborative steps with regulators and stakeholders,” said Rudiantara.
AFTECH continues to collaborate with regulators and stakeholders in conducting education and outreach to increase public literacy about fintech, one of the goals of which is to increase public awareness about illegal lending.
Recently, AFTECH in collaboration with regulators and related parties has launched the website www.cekfintech.id.
This site can be a channel for the public to recognize and identify illegal lending, as well as a place to improve education and literacy about fintech.
The public can also check bank accounts suspected of being indicated by criminal acts through the interconnection site www.cekrekening.id, which was initiated by the Ministry of Communications and Information Technology.
Previously in September 2019, AFTECH, the Joint Funding Fintech Association (AFPI), and the Indonesian Sharia Fintech Association (AFSI) had launched a Joint Code of Conduct or Code of Conduct for Financial Technology Providers in the Responsible Financial Services Sector.
The Code of Conduct prohibits every fintech operator from using third parties supporting the Fintech ecosystem that are included in the blacklist of authorities and/or fintech associations, including illegal lending.
“We also have an Honorary/Ethics Board whose task is to enforce the implementation of the Code of Ethics for AFTECH members. So there has been a process and we have also revoked the membership of members who were proven to have violated the rules. Going forward, we will continue to increase collaboration with regulators and stakeholders to ensure the creation of good fintech industry governance and the application of consumer protection principles,” said Rudiantara. ***
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