scholarly journals MENAKAR PROGRESIVITAS TEKNOLOGI FINANSIAL (FINTECH) DALAM HUKUM BISNIS DI INDONESIA

2019 ◽  
Vol 16 (2) ◽  
Author(s):  
Mariske Myeke Tampi

The PBI Number 19/12/PBI/2017 concerning the Implementation of Financial Technology is a staple of policy that shows the Financial Technology (Fintech) has been allowed to exist in Business Law in Indonesia such as business to business and business to consumer with particular limitation. The regulation on electronic money that has been enacted before the issuance of PBI Number 19/12/PBI/2017 is also included in the definition of Financial Technology (Fintech) in PBI Number 19/12/PBI/2017. Enormous benefits from Financial Technology (Fintech) is a driving force of the progressivity of the Financial Technology (Fintech) regulation. Review of laws relating to Financial Technology (Fintech) in Indonesia illustrates that the policy of Financial Technology (Fintech) is quite progressive. Such progressivity may be examined from the view point of Satjipto Rahardjo’s progressive law theory and Roscoe Pound’s sociological jurisprudence. The cause of the emergence of rules regarding current Financial Technology (ius constitutum) is contained in 4 points of urgency and 3 (three) points of consideration of Bank Indonesia Regulation Number 19/12/ PBI/2017. As long as the product of Financial Technology does not conflict with the existing value system, the Financial Technology product can be developed and regulated in Indonesia in the future (ius constituendum).

2020 ◽  
pp. 118-127
Author(s):  
Yong Geng Chen

This research paper provides a detailed evaluation of the business concepts in Electronic Commerce (E-Commerce). The concept of E-Commerce defines the exchange of goods and services with monetary value between consumers and companies. E-Commerce is a web-based catalogue whereby buyers can possibly place order and sellers possibly accept payments. E-Commerce incorporates two forms of business: Business-to-Business (B2B) and Business-to-Consumer (B2C), which provides a definition of the commerce transactions between enterprises, such as between the wholesalers and the manufacturers or the retailers. B2C E-Commerce provides enterprises with the model which allows businesses to deliver purchasers to the relevant merchants and achieve from the commission rewards given by the merchants. This paper evaluates two forms of business with relation to management of Virtual Enterprises (VE) in the field of E-Commerce. The paper will end with an analysis of VE before projecting future directions for health of B2B and B2C in business.


2011 ◽  
pp. 149-166
Author(s):  
Chia Yao Lee ◽  
Wei-Chang Kong

E-commerce is often associated with the buying and selling of consumer products over the Internet. While this narrow definition of e-commerce is correct, many other commerce and business activities also fall under the term “e-commerce”. The stakeholders who create commerce, either actively or passively construct and determine the nature of the commercial relationship. The aim of this chapter is to suggest the e-commerce Differentiation Framework, which uses the nature and activities of stakeholders to distinguish between the two major types of e-commerce, namely Business-to-Business (B2B) e-commerce and Business-to-Consumer (B2C) e-commerce. This framework will use examples of e-commerce in Small and Medium Enterprises (SMEs) in Singapore and Australia. The study was carried out in these two countries over a period of four months in 1999.


Author(s):  
Betty Wang ◽  
Fui Hoon (Fiona) Nah

E-business has changed the definition of enterprise systems. Beyond the core business functions that ERP has traditionally focused on, e-business pushes the ERP from the inside core of the companies to the network edge. Companies are realizing that the most challenging part of e-business initiatives is not in developing a Web storefront but in extending ERP to accomplish business-to-business (B2B) and business-to-consumer (B2C) solutions. A new extended enterprise system emerges by integrating ERP with e-business, which creates business that is more agile, more focused and more competitive than traditionally structured business and tight B2B connections. With the help of the componentization concept, a seamless, end-to-end flow of information and process across the value chain of companies becomes realistic.


Author(s):  
Nancy J. Niles

<p class="MsoNormal" style="text-align: justify; margin: 0in 0.5in 0pt;"><span style="color: black; font-size: 10pt;"><span style="font-family: Times New Roman;">This paper discusses the lack of agreement on the definition of a business model which is a recent addition to management literature since the dot com era. <span style="mso-spacerun: yes;">&nbsp;</span>An abbreviated literature review was discussed that emphasizes the different perspectives of business model definitions. <span style="mso-spacerun: yes;">&nbsp;</span>There are categories such as auction, subscription, or advertising business models which describe the processes between a buyer and seller (Rappa, 2005). Business models have also been defined in the literature as a system with components (Afuah&amp;Tucci, 2001) or a method to make money (Weill&amp;Vitale 2001). They have also been categorized as business to business models or business to consumer models (Haag, 2004) <span style="mso-spacerun: yes;">&nbsp;</span>This author has developed a new definition of a business model that focuses on the transaction between the buyer and seller, regardless of whether it is a traditional transaction, an electronic transaction or the type of transaction.<span style="mso-spacerun: yes;">&nbsp; </span>The paper has provided six comparisons of the difference between a traditional transaction between a buyer and a seller and an electronic transaction between a buyer and a seller. The direct comparisons of traditional and e-commerce business models illustrate the major component of a business model&mdash;the transaction that occurs between the seller and buyer and that the transaction must be included in the definition of a business model. </span></span></p>


Author(s):  
Kevin Hart

This research paper provides a detailed evaluation of the business concepts in Electronic Commerce (E-Commerce). The concept of E-Commerce defines the exchange of goods and services with monetary value between consumers and companies. E-Commerce is a web-based catalogue whereby buyers can possibly place order and sellers possibly accept payments. E-Commerce incorporates two forms of business: Business-to-Business (B2B) and Business-to-Consumer (B2C), which provide a definition of the commerce transactions between enterprises, such as between the wholesalers and the manufacturers or the retailers. B2C E-Commerce provides enterprises with the model, which allows businesses to deliver purchasers to the relevant merchants and achieve from the commission rewards given by the merchants. This paper will evaluate the two forms of business with relation of management of Virtual Enterprises (VE) in the field of E-Commerce. The paper will end with an analysis of VE before projecting future directions for health of B2B and B2C in business.


2001 ◽  
pp. 31-33
Author(s):  
Arkadiusz Januszewski

Obecnie Internet, obok zastosowań edukacyjnych i domowych, stał się narzędziem do prowadzenia biznesu. Coraz większą popularność zdobywają takie pojęcia, jak gospodarka informacyjna i elektroniczna, elektroniczne rynki, elektroniczny biznes i elektroniczny handel. W artykule omówiono te pojęcia. Przedstawiono formy e-biznesu: B2C 9 (business to consumer), B2B (business to business), C2B (consumer to business), C2C (consumer to consumer).


2019 ◽  
pp. 313-325
Author(s):  
Borislav Grozdic ◽  
Valerija Dabetic

In the aggressive dominance of critical rational thinking over the mythical worldview, myth as a historical and effective force does not lose its actuality and importance, because myths often hide deeper messages than what history can offer. In such a social context, the significance of the spiritual message of the Kosovo myth - the commitment to the Heavenly Kingdom, as a lasting common value of the Serbian people, returns as a theme. In spite of its omnipresence, the opinion prevails that the myth belongs to the past, and if it is not yet obsolete, it certainly should be. The authors advocate the idea that myth, as a comprehensive experience of the world, and therefore the Kosovo myth as well, is a factor of national integration, a part of collective identity, and a common value system. Analysing the secular and spiritual understanding of the Kosovo myth, the authors point out the importance of the vivid memory of the prince Lazar?s commitment to the Heavenly Kingdom. For Christians, this represents the value and goal above all others and it forms the core of the Serbian historical consciousness and spiritual community. The paper shows that the spiritual message of the Kosovo myth is not understood or it is misunderstood nowadays, since the commitment to Kosovo is perceived as a call and an obligation to die for it. The authors conclude that the Kosovo myth is not a call to die in the war, on the contrary, it is a struggle for external and internal freedom, as well as for the highest values that are implied by the definition of the Heavenly Kingdom ? peace, love, honour, justice, dignity, and others.


Author(s):  
Laura Gatica Barrientos ◽  
Emma Rosa Cruz Sosa ◽  
Patricia E. Garcia Castro

The objective of this work, is to analyze the meaning of electronic commerce in our days taking into account the information technologies; it also will analyze their adjustments, their trends and applications of the same, in the Business to Consumer Relations (B2C), Business to Employee (B2E) and Business to Administration (B2A), Consumer to Consumer (C2C), Citizen to Government (C2G), Business to Government (B2G) and, Business to Business (B2B), as well as how information systems have been very useful to reduce costs, getting technology to change from being an operating support tool to become a strategy one, to increase the sales volume and the profits of the business as a result of this. The trend being taken by businesses and consumers has increased the participation of the companies which apply it in a comprehensive manner, since they reach international markets, while also face another kind of competition that takes place in a global market. We conclude that electronic commerce will remain a tool of great importance to efficiently manage the chains of supply between businesses and consumers through the Internet which allows an integration to reduce costs of ordering, distribution, administration and delivery of input materials.


2020 ◽  
Vol 6 (1) ◽  
pp. 100
Author(s):  
Liudmyla Panova ◽  
Vitalii Makhinchuk

The purpose of the article is to examine the civil law nature of electronic money. The subject of the research is the features of the civil law nature of electronic money. Methodology. Research methods are chosen based on the object, subject and purpose of the study. The study used general scientific and special methods of legal science. Thus, the analysis and synthesis method as well as the logical method were used to formulate a holistic view on electronic money, their features and legal nature. The logical-semantic method was used to establish the meaning of the concepts “electronic money”, “non-cash money”, “payment instrument”, “electronic payment instrument”. The comparative method was used when analyzing scientific categories, definitions and approaches. The legal modeling method was applied to formulate the author’s definition of the term “electronic money”. Results. The article generalizes scientific views on the civil law nature of electronic money. A distinction has been made between electronic money and currency unit, non-cash money and the right to claim. As the result it has been established that electronic money is the monetary obligation. Practical implication. The study should assist in developing the unified approach to the issue of the civil law nature of electronic money. Value/originality. As the result of the study the author’s definition of the concept “electronic money” with regard to its civil law nature has been proposed.


Author(s):  
Luisa Sturiale ◽  
Alessandro Scuderi

Abstract: The achievement of Information Communication Technology (ICT) as a new ground for economic competition is deeply affecting the trade organization in many merchant sectors. For Italian agri-food products it is of absolute importance for Internet marketing to be undertaken and to foresee the consequent scenarios. The aim of this research is to exactly assess the opportunities and problems of the distribution circuit based on the virtual scenario, with a methodological and empirical approach, working on the analysis of experiences already begun by agri-food companies established in Italy and engaged in “business to consumer” and “business to business”. The ICT is configured as a phenomenon in a continuous and rapid evolution, which makes it necessary for companies to continually adapt to it and to the habits of web-consumers. This means that it is necessary to effectively enter the network of agri-food firms, and to strategically revise marketing methods focusing on the market place.


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