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The rapid development of technology including its use in financial sector has made the process of financial inclusion and literacy easier, especially for a country where its community does not have a high financial understanding. Unfortunately, the practice of Financial Technology (Fintech) which should have put forward Law No. 8 of 1999 concerning Consumer Protection is considered unfavorable for the community. Hence, this study intends to investigate several issues regarding financial technology (fintech) which include the implementation of standard agreement in credit transactions through fintech, the barriers that often occur in credit transactions through fintech, and the settlement of consumer protection disputes related to credit transactions through fintech. This study applied a normative juridical method with a mixed approach, namely statute approach and conceptual approach. The results revealed that standard agreements made unilaterally by creditors often contain standard clauses leading to customers’ losses. In one hand, a weak regulation causes fintech users to get less legal umbrella. On the other hand, the creditors are legally innocent because they get the customers’ agreement in the standard agreement. Therefore, it can be concluded that there is a need to strengthen regulations relating to consumer service and protection against fintech transactions which include technology, operational security, human resources, and risk management.

THE ANALYSIS OF STANDARD AGREEMENT IN CREDIT TRANSACTIONS THROUGH FINANCIAL TECHNOLOGY VIEWED FROM LAW NO. 8 OF 1999 CONCERNING CONSUMER PROTECTION