{"id":404518,"date":"2025-10-14T20:44:45","date_gmt":"2025-10-14T13:44:45","guid":{"rendered":"https:\/\/www.vibizmedia.com\/?p=404518"},"modified":"2025-10-14T20:44:45","modified_gmt":"2025-10-14T13:44:45","slug":"artificial-intelligence-marak-digunakan-di-industri-fintech-lending","status":"publish","type":"post","link":"https:\/\/www.vibizmedia.com\/index.php\/2025\/10\/14\/artificial-intelligence-marak-digunakan-di-industri-fintech-lending\/","title":{"rendered":"Artificial Intelligence Marak Digunakan di Industri Fintech Lending"},"content":{"rendered":"<p>&nbsp;<\/p>\n<p style=\"text-align: justify;\">(Vibizmedia \u2013 Economy &amp; Business) \u2013 Kecerdasan buatan atau Artificial Intelligence (AI) marak digunakan di berbagai industri saat ini. Hal ini tidak dapat dihindari karena perubahan yang terjadi di zaman yang serba teknologi ini.<\/p>\n<p style=\"text-align: justify;\">Otoritas Jasa Keuangan (OJK) mengungkap, AI telah digunakan juga di industri <em>fintech peer to peer (P2P) lending<\/em> atau pinjaman daring (pindar).<\/p>\n<p style=\"text-align: justify;\">Kepala Eksekutif Pengawas Lembaga Pembiayaan, Perusahaan Modal Ventura, Lembaga Keuangan Mikro dan Lembaga Jasa Keuangan Lainnya OJK Agusman menerangkan penyelenggara <em>fintech lending<\/em> telah memanfaatkan AI. Antara lain berupa <em>machine learning<\/em> untuk mempelajari karakteristik dan pola perilaku pengguna (<em>lender dan borrower<\/em>) secara dinamis.<\/p>\n<p style=\"text-align: justify;\">&#8220;Dengan demikian, proses penilaian kredit menjadi lebih efisien dan akurat. Serta dapat meningkatkan kualitas analisis risiko dan memperluas akses pendanaan yang berkelanjutan,&#8221; ungkapnya dalam lembar jawaban tertulis RDK OJK, Senin (13\/10\/2025).<\/p>\n<p style=\"text-align: justify;\">Selanjutnya, Agusman menekankan penyelenggara <em>fintech lending<\/em> juga perlu mewaspadai beberapa hal mengenai tren <em>Artificial Intelligence<\/em>.<\/p>\n<p style=\"text-align: justify;\">Dia mengatakan bahwa penyelenggara perlu memastikan algoritma akurat dan transparan, menghindari bias, menjaga keamanan data nasabah. Serta tetap menjaga prinsip kehati-hatian dan kepatuhan terhadap ketentuan yang berlaku.<\/p>\n<p style=\"text-align: justify;\">Berdasarkan kinerja industri secara keseluruhan, OJK mencatat <em>outstanding<\/em> pembiayaan <em>fintech P2P lending<\/em> mencapai Rp 87,61 triliun per Agustus 2025. Nilai itu tercatat tumbuh sebesar 21,62% secara <em>Year on Year (YoY).<\/em><\/p>\n<p style=\"text-align: justify;\">Sementara itu, tingkat risiko kredit macet secara agregat atau TWP90 industri <em>fintech P2P lending<\/em> per Agustus 2025 tercatat sebesar 2,60%. Adapun angka TWP90 per Agustus 2025 tercatat meningkat, jika dibandingkan posisi Agustus 2024 yang sebesar 2,38%.<\/p>\n<p style=\"text-align: justify;\">Namun, angka TWP90 per Agustus 2025 terbilang membaik, jika dibandingkan dengan posisi Juli 2025 yang sebesar 2,75%.<\/p>\n<p><em>Belinda Kosasih\/ Partner of Banking Business Services\/Vibiz Consulting<\/em><\/p>\n<p>&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>&nbsp; (Vibizmedia \u2013 Economy &amp; Business) \u2013 Kecerdasan buatan atau Artificial Intelligence (AI) marak digunakan di berbagai industri saat ini. Hal ini tidak dapat dihindari karena perubahan yang terjadi di zaman yang serba teknologi ini. Otoritas Jasa Keuangan (OJK) mengungkap, AI telah digunakan juga di industri fintech peer to peer (P2P) lending atau pinjaman daring [&hellip;]<\/p>\n","protected":false},"author":101025,"featured_media":386124,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_exactmetrics_skip_tracking":false,"_exactmetrics_sitenote_active":false,"_exactmetrics_sitenote_note":"","_exactmetrics_sitenote_category":0,"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0},"categories":[22],"tags":[17803],"aioseo_notices":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v17.7.1 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<meta name=\"description\" content=\"Otoritas Jasa Keuangan (OJK) mengungkap, AI telah digunakan juga di industri fintech peer to peer (P2P) lending atau pinjaman daring (pindar)\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.vibizmedia.com\/index.php\/2025\/10\/14\/artificial-intelligence-marak-digunakan-di-industri-fintech-lending\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Artificial Intelligence Marak Digunakan di Industri Fintech Lending - Vibizmedia.com\" \/>\n<meta property=\"og:description\" content=\"Otoritas Jasa Keuangan (OJK) mengungkap, AI telah digunakan juga di industri fintech peer to peer (P2P) lending atau pinjaman daring (pindar)\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.vibizmedia.com\/index.php\/2025\/10\/14\/artificial-intelligence-marak-digunakan-di-industri-fintech-lending\/\" \/>\n<meta property=\"og:site_name\" content=\"Vibizmedia.com\" \/>\n<meta property=\"article:published_time\" content=\"2025-10-14T13:44:45+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.vibizmedia.com\/wp-content\/uploads\/2024\/03\/ai-chip-artificial-intelligence-future-technology-innovation-scaled.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"2560\" \/>\n\t<meta property=\"og:image:height\" content=\"2560\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Belinda Kosasih\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"1 minute\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebSite\",\"@id\":\"https:\/\/www.vibizmedia.com\/#website\",\"url\":\"https:\/\/www.vibizmedia.com\/\",\"name\":\"Vibizmedia.com\",\"description\":\"Business, Culture and Research\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/www.vibizmedia.com\/?s={search_term_string}\"},\"query-input\":\"required name=search_term_string\"}],\"inLanguage\":\"en-US\"},{\"@type\":\"ImageObject\",\"@id\":\"https:\/\/www.vibizmedia.com\/index.php\/2025\/10\/14\/artificial-intelligence-marak-digunakan-di-industri-fintech-lending\/#primaryimage\",\"inLanguage\":\"en-US\",\"url\":\"https:\/\/www.vibizmedia.com\/wp-content\/uploads\/2024\/03\/ai-chip-artificial-intelligence-future-technology-innovation-scaled.jpg\",\"contentUrl\":\"https:\/\/www.vibizmedia.com\/wp-content\/uploads\/2024\/03\/ai-chip-artificial-intelligence-future-technology-innovation-scaled.jpg\",\"width\":2560,\"height\":2560,\"caption\":\"Ilustrasi Artificial Intelligence. 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