International Journal of Social Science & Economic Research
Submit Paper

Title:
DIFFUSION INNOVATION AT FINANCIAL TECHNOLOGY AND CYBER LAW IN INDONESIA

Authors:
Magdalena Lestari GINTING, Rehnalemken GINTING, I Gusti Ayu Ketut Rachmi HANDAYANI

|| ||

1Magdalena Lestari GINTING, 2Rehnalemken GINTING, 3 I Gusti Ayu Ketut Rachmi HANDAYANI
1Department of Applied Communication Science, Faculty of Social and Political Science, Pelita Harapan University, Indonesia
2,3Department of Criminal Law, Faculty of Law, Sebelas Maret University, Indonesia

MLA 8
GINTING, Magdalena Lestari, et al. "DIFFUSION INNOVATION AT FINANCIAL TECHNOLOGY AND CYBER LAW IN INDONESIA." Int. j. of Social Science and Economic Research, vol. 3, no. 3, Mar. 2018, pp. 959-970, ijsser.org/more2018.php?id=68. Accessed 2018.
APA
GINTING, M., GINTING, R., & HANDAYANI, I. R. (2018, March). DIFFUSION INNOVATION AT FINANCIAL TECHNOLOGY AND CYBER LAW IN INDONESIA. Int. j. of Social Science and Economic Research, 3(3), 959-970. Retrieved from ijsser.org/more2018.php?id=68
Chicago
GINTING, Magdalena Lestari, Rehnalemken GINTING, and I Gusti Ayu Ketut R. HANDAYANI. "DIFFUSION INNOVATION AT FINANCIAL TECHNOLOGY AND CYBER LAW IN INDONESIA." Int. j. of Social Science and Economic Research 3, no. 3 (March 2018), 959-970. Accessed , 2018. ijsser.org/more2018.php?id=68.

References
[1]. Pacey, Arnold. (1983). The Culture of Technology. Cambridge: The MIT Press Wertime, Kwn. Fenwick, Ian. (2008). DigiMarketing: The Essential Guide to New Media & Digital Marketing. John Wiley
[2]. Newland, Murray. (2011). Online Marketing A User Manual. John Wiley
[3]. Rogers, Everet. (1983). Diffusion of Innovations. 3rd edition. New York: The Free Press
[4]. Putnam, Blu. Graham McDannel. Veenit Shah. (2016). Digital Finance: At the Cusp of Revolutionizing Portfolio Optimization and Risk Assessment Systems. The Capco Institute Journal of Financial Transformation. November 2014 no 44. Page 31
[5]. Jessel, Ben. (2016). The Rise of the Interconnected Digital Bank. The Capco Institute Journal of Financial Transformation. November 2014 no 44. Page 67
[6]. Arner, Douglas W., Janos Barberis, Ross P. Buckley. (2016). The Emergence of Regtech 2.0: From Know Your Customer to Know Your Data. The Capco Institute Journal of Financial Transformation. November 2014 no 44. Page 79
[7]. Gerlech, C. Andrew, Rebecca J. Simmons, Stephen H. Lam. (2016). U.S. Regulation of FinTech - Recent Developments and Challenges. The Capco Institute Journal of Financial Transformation. November 2014 no 44. Page 87
[8]. Mas, Ignacio. (2016). Strains of Digital Money. The Capco Institute Journal of Financial Transformation. November 2014 no 44. Page 97
[9]. Lenz, Rainer. (2016). Banking 2025: The Bank of the Future. The Capco Institute Journal of Financial Transformation. November 2014 no 44. Page 111
[10]. Bunea, Sinziana, Benjamin Kogan, David Stolin. (2016). Banks Versus FinTech: At Last, it's Official. The Capco Institute Journal of Financial Transformation. November 2014 no 44. Page 122
[11]. Milne, Alistair. (2016). The Un-Level Playing Field for P2P Lending. The Capco Institute Journal of Financial Transformation. November 2014 no 44. Page 132
[12]. Ross P. Buckley, Sarah Webster. (2016). FinTech in Developing Countries: Charting New Customer Journeys. The Capco Institute Journal of Financial Transformation. November 2014 no 44. Page 151
[13]. Drury, D.H. and A. Farhooman. (1999). Innovation Diffusion And Implementation. International Journal Of Innovation Management, Vol 03, No 02. World Scientific
[14]. Maryse M.H. Chappin, Bart Cambre, Patrick A.M. Vermeulen, Rodrigo Lozano. (2015) Internalizing sustainable practices: a configurational approach on sustainable forest management of the Dutch wood trade and timber industry. Journal of Cleaner Production 107, 760-774.
[15]. Rodrigo Lozano. (2015) A Holistic Perspective on Corporate Sustainability Drivers. Corporate Social Responsibility and Environmental Management 22:1, 32-44.
[16]. Sukanlaya Sawang, Kerrie L. Unsworth. (2011) A Model Of Organizational Innovation Implementation Effectiveness In Small To Medium Firms. International Journal of Innovation Management 15:05, 989-1011.
[17]. Rodrigo Lozano. (2010) Diffusion of sustainable development in universities' curricula: an empirical example from Cardiff University. Journal of Cleaner Production 18:7, 637- 644.
[18]. Rosemary Stockdale, Shamshul Bahri. (2009) Managing the implementation of an innovative technology in a hospital: a case study. Journal of Systems and Information Technology 11:3, 269-285.
[19]. Hannu Makkonen. (2009) A Process Perspective on Organizational Innovation Adoption - A Qualitative Case Study. Journal of business market management 3:2, 129-146.
[20]. Andrew Miller, David Radcliffe, Erik Isokangas. (2009) A perception?influence model for the management of technology implementation in construction. Construction Innovation 9:2, 168-183.
[21]. Fosstenlokken, Siw M. (2016). Systemic Instruments For Regional Intervention In Practice: The Facilitation Of An Inventor-Investor Matchmaking Process. International Journal of Innovation and Regional Development Vol. 7 No. 1. Page 57 - 75
[22]. Rodriguez, Jose Carlos; Cesar L. Navarro-Chavez. (2015). A System Dynamics Model Of Science, Technology And Innovation Policy To Sustain Regional Innovation Systems In Emerging Economies. International Journal of Innovation and Regional Development Vol. 6 No. 1. Page 7 - 30
[23]. Sadek, Tarek; Rafael Kleiman; Rafik Loutfy. (2015). The Role Of Technology Transfer Offices In Growing New Entrepreneurial Ecosystems Around Mid-Sized Universities. International Journal of Innovation and Regional Development Vol. 6 No. 1. Page 61 - 79
[24]. Darono, Agung; Dessy Irawati. (2015). Service Innovation In The Complex Environment Of Tax Administration: The Indonesian Public Sector Perspective. International Journal of Innovation and Regional Development Vol. 6 No. 1. Page 102 - 123
[25]. Gulamhuseinwala. Imran. Thomas Bull. Steven Lewis. (2015). Fintech Is Gaining Traction And Young, High-Income Users Are The Early Adopters. The Journal of Financial Perspective. Winter 2015 FinTech. Page 16 - 23.
[26]. Chuen, David Lee Kuo. Ernie G.S. Teo. (2015). Emergence of FinTech and the LASIC principles. The Journal of Financial Perspective. Winter 2015 FinTech. Page 24 - 37.
[27]. Arner, Douglas W. Ja nos Barberis. (2015). Fintech in China: From the Shadows? The Journal of Financial Perspective. Winter 2015 FinTech. Page 78 - 91.
[28]. Treleaven, Philip. (2015). Financial Regulation of Fintech. The Journal of Financial Perspective. Winter 2015 FinTech. Page 114 - 121.
[29]. Buckley, Ross P. Louise Malady. (2015). Building Consumer Demand for Digital Financial Services. The Journal of Financial Perspective. Winter 2015 FinTech. Page 122 - 137.
[30]. Burtch, Gordon. Anindya Ghose. Sunil Wattal. (2015). The Hidden Cost of Accomodating Crowdfunder Privacy Preference: A Randomized Field Experiment. The Journal of Financial Perspective. Winter 2015 FinTech. Page 138 - 155.
[31]. Lopez, Juan Carlos. Sinisa Babcic. Andres De La Ossa. (2015). Advice Goes Virtual: How New Digital Investment Services Are Changing The Wealth Management Landscape. The Journal of Financial Perspective. Winter 2015 FinTech. Page 156 - 165.
[32]. Ferretti, Andrea. Marco Brandirali, Nico Saraceno, Marco Giorgino, Giuliano Noci, Laura Grassi, Valentina Palummeri. (2015). Innovative Corporate Service Digitally Enabled for Internationalization. The Journal of Financial Perspective. Winter 2015 FinTech. Page 172 - 181.
[33]. Viaene, Stijn. Lieselot Danneel. (2015). Driving Digital: Welcome to the Exconomy. The Journal of Financial Perspective. Winter 2015 FinTech. Page 182 - 186.

Abstract:
Technologies come in various way nowadays in finance sector and become a disruption in banking with all the good things to offer. Positive impact can be recognize when taking a look at ATM machine from the operational cost which always consume 16 billion each month. By using the financial technology it can be eliminated. The government runs its role by conducting non-cash transaction campaign in many public sectors. The second pillar of development which is private sector also conducting the movement by provide the services of fin tech, e-commerce, attach, and big data. One of the private sector that is campaigning is AMARTHA, a financial technology platform that serves as a bank many various of transaction. This research shows how an innovation happen and diffused in society -in this case AMARTHA's diffusion innovation; an also the role of law in protecting the consumer from the possible impact of financial technology implementation.