PERLINDUNGAN KONSUMEN PADA FINTECH SYARIAH BERBASIS ARTIFICIAL INTELLIGENCE

Abstract

Abstract

The development of Artificial Intelligence (AI) has driven the transformation of Islamic fintech in Indonesia by improving service efficiency, risk analysis, fraud detection, and expanding access to digital financial services. However, it also raises legal and Sharia related issues such as a lack of algorithmic transparency, potential bias, risks of personal data breaches, and the absence of specific regulations. This study aims to analyze the urgency of AI regulation in Islamic fintech and formulate a regulatory model based on Islamic economic law principles. The research method used is normative legal research through library-based study. The findings indicate that AI regulation is urgently needed to provide legal certainty and ensure the principles of justice, transparency, and public benefit (maslahah), with an ideal regulatory model covering algorithmic transparency, accountability, Sharia audit mechanisms, data protection, risk-based supervision, and regulatory sandbox implementation.

Keywords: Islamic Fintech, Consumer Protection, AI Regulation.

Abstrak

Perkembangan AI telah mendorong transformasi fintech syariah di Indonesia melalui peningkatan efisiensi layanan, analisis risiko, deteksi penipuan, dan perluasan akses keuangan digital. Namun, hal ini juga menimbulkan persoalan hukum dan syariah seperti kurangnya transparansi algoritma, potensi bias, risiko pelanggaran data pribadi, serta belum adanya regulasi khusus. Penelitian ini bertujuan menganalisis urgensi regulasi AI dalam fintech syariah dan merumuskan model regulasi berbasis hukum ekonomi syariah. Metode yang digunakan adalah penelitian hukum normatif melalui studi kepustakaan. Hasil penelitian menunjukkan bahwa regulasi AI sangat mendesak untuk memberikan kepastian hukum dan memastikan prinsip keadilan, transparansi, dan kemaslahatan, dengan model regulasi yang mencakup transparansi algoritma, akuntabilitas, audit syariah, perlindungan data, pengawasan berbasis risiko, dan regulatory sandbox.

Kata Kunci: Fintech Syariah, Perlindungan Konsumen, Regulasi AI.