Table 2.

List of policies, laws and regulations in Indonesia.

Document	Explanation
POJK Number 77 of 2016 concerning P2P Lending (OJK, 2016)	The Operator provides, manages, and operates ICT-Based lending and Borrowing Services, whose funds come from investors (lenders). Organizers are required to register their platform to obtain a license from the OJK.
Indonesian Government Regulation Number 71 of 2019 concerning Implementation of Electronic Systems and Transactions (Ministry of Communication and Informatics, 2019)	Electronic System Operator having a portal, website or application in the network through the internet has the obligation to register its platform. Electronic System Operators shall be conducted before Electronic Systems begin to be used by Electronic System Users.
Minister of ICT Regulation Number 20 of 2016 concerning Personal Data Protection in Electronic Systems (Ministry of Communication and Informatics, 2016)	Personal Data Protection is protection against the collection, processing, analysis, storage, display, announcement, transmission, dissemination and destruction of Personal Data.