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Financing at Bank Perkreditan Rakyat Syari’ah (BPRS) competes with other financing institutions regarding its speed in accessing customers.The speed of approaching customers is a choice since an element of financial technology (fintech) that is capable for connecting the needs of customers with Islamic banks is present. However, its existence is not without problems. This is because fintech measures the accuracy of the data provided so that there is a match between the displayed data and the customer's character, but such may raise legal problems. This study is conducted with a qualitative approach employing descriptive analysis. Data mining is done through interviews and observations both through websites and literature. The findings of this study indicate that fintech financing may become an option as a medium to bring financial institutions closer to customers and business opportunities. In order to avoid any legal problem that may arise, a direct verification process must still be carried out so as to preclude a possible risk of having unmatched attached customers’ data with their characters.

Fintech of Financing at BPRS: a Challenge between a Legal Problem and Business Opportunity