Studi Perbandingan Analisis Hukum Ekonomi Syariah dan Hukum Positif tentang Penyelenggaraan Financial Technology dalam Transaksi Transfer Dana Beda Bank Melalui Aplikasi Flip
DOI:
https://doi.org/10.28918/.v3i1.924Abstract
The rapid development of technology has resulted in the banking market in the payment system starting to decrease. This means that banks have come up with innovations that make it easier, including digital wallets and financial technology companies that can facilitate transactions between different banks. One of the financial technology startups that has emerged in the field of fund transfers is Flip. Flip brings innovation in the field of fund transfers in the form of a fund transfer application without administration fees. This study aims to answer the questions: 1. How is the Implementation of Financial Technology in Beda Bank Fund Transfer Transactions Through the Flip Application?, 2. What is the Comparison of the Implementation of Financial Technology in Beda Bank Fund Transfer Transactions Through the Flip Application in Islamic Economic Law Analysis and Positive Legal Analysis? . This study uses a type of field research (field research) with a qualitative approach. Field research (field research) by collecting data in the form of documents related to transfers of funds from different banks without administration fees through flip and participant observation, namely direct observation of the flip application which was analyzed using descriptive techniques. The results of the analysis conclude that: The implementation of Financial Technology in Beda Bank Fund Transfer Transactions Through the Flip Application is implemented appropriately in accordance with the pillars and wakalah agreement. If in the positive legal analysis the transfer of funds from different banks through flip is not fully in accordance with Bank Indonesia Regulation Number 19/12/PBI/2019 concerning the Implementation of Financial Technology.
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