MONEY LAUNDERING USING FINANCIAL TECHNOLOGY THROUGH ECOMMERCE TRANSACTION

The rapid development of technology today makes all activities in human life can be carried out easily. One
of them is to make payments through an application in a smartphone. Payment with these technological
innovations or in other words, technology-based financial services are commonly referred to as fintech.
Fintech is here to facilitate the process of financial transactions but also has a bad impact on the economic
sector, one of which is money laundering. Money laundering activities can currently be carried out through
fintech. The illegal act of money laundering through fintech is increasingly difficult to know who is behind
the scenes. The purpose of this study is to make an improvement in legislation in the field of financial
technology, which until now is still nil. This research is carried out through a normative approach using a
statutory approach and a conceptual approach. The result of this study is to provide a new policy on
financial technology, especially in money laundering activities carried out on the use of e-ecommerce
transactions where currently there is none.