Paper Title
Nurturing Trust for Indonesia Fin Tech Users: Evaluating Peer-to-Peer Lending Data Protection Law in Indonesia through Privacy by Design Principle

Abstract
Along with the rapid growth of Peer-to-Peer Lending in Indonesia, the technology also addresses a set of new problems such as breach of privacy and abuse of personal data. In response, the Privacy By Design principle approach could answer the problem addressed. However, problems occurred due to overlapping regulation which vaguely approach of the Privacy By Designprinciple. This principle upholds the proactive role of Peer-to-Peer Lending operators to protect the privacy of users in carrying out business activities both within the operator’s organisation and information system management in an effective manner. This research is a normative approach which employs statutory and comparative approaches on the secondary data. The Authors have an analysis with regards to the status quo of Indonesia Peer-to-Peer Lending data protection law and its compliance towards Privacy By Design Foundational Principles. The research includes an explanation of Privacy By Design with its Foundational Principles. Furthermore, this research also analyses the current Peer-to-Peer Lending data protection law in Indonesia in the manner of Privacy By Design Foundational Principles. This research shows that the data protection law for Peer-to-Peer Lending in Indonesia is still fragmented among several instruments. Moreover, Indonesia curren Peer-to-Peer Lending data protection law is not yet achieved all of the Privacy By Design Foundational Principles. Keywords - ¬¬¬¬¬¬¬¬¬¬¬¬¬Consumer Protection, Peer-to-Peer Lending, Personal Data, Privacy by Design