Bank Indonesia created an appropriate regulatory regime to drive the pace of innovation carried out by Financial Technology Providers while still applying the principles of consumer protection, risk management and prudence. One of the efforts made by Bank Indonesia was by issuing provisions concerning a regulatory sandbox for Financial Technology Providers along with their products, services, technology and/or business models in a Board of Governors Member Regulation No 19/14/PADG/2017 on the Limited Technology Testing Room (Regulatory Sandbox) Financial Technology. Meanwhile, the Financial Services Authority also issued regulation regarding the Regulatory Sandbox for Financial Technology Organizers in Financial Services Authority Regulation No. 13 / POJK.02/2018 on the Digital Financial Innovations in the Financial Services Sector. The main point of view to be analysed is the existence of regulatory sandbox approach held by Bank Indonesia and the Financial Services Authority as an effort to encourage the growth of Financial Technology in Indonesia.

The development of global information and transportation technology is accompanied by the development of criminal acts that no longer recognize jurisdictional boundaries, so that the response requires joint handling of world countries. Mutual assistance in criminal matters is one way to stop fraudulent acts of criminals who want to hide assets. The implementation of the Mutual Legal Assistance System was realized in the implementation of Law Number 1 of 2006 concerning Reciprocal Assistance in Criminal Issues, namely by establishing cooperation with countries that have the potential to be used as hiding places or to save income from the crime. This has become one of the efforts to prevent cross-jurisdictional cyber crime by implementing a Mutual Legal Assistance System

In transactions using Paypal, of course, there are many reasons for the risk of disputes occurring, ranging from delays in delivery, damaged goods, and transactions without authorization. The problem will be different when they carry out business transactions in different regions of the country and they have different nationalities. The research method uses a normative and empirical juridical approach, a normative juridical approach is carried out by studying legal norms or rules, while the empirical approach is carried out by direct interviews with sources who will relate to research problems, the data analysis used is qualitative. In trading transactions via the internet, trade is generally carried out by people who are located and subject to different countries and jurisdictionsThe legal relationship between Payment Gateway Users and Payment Gateway Providers At Fintech Paypal Indonesia is where the parties involved in the electronic payment system include consumers, business actors, acquirers, issuers and payment gateway providers. legal relationships that arise between consumers, business actors, acquirers, issuers and payment gateway operators are born from agreements made by the parties. Dispute Resolution and Chargeback Claims in Payment Gateway Transaction activities on Paypal Fintech where the paypal system provides services can communicate directly with the seller by opening a dispute at the Paypal Dispute Settlement Center. if it is not completed in following the policies provided by paypal services, consumers or business actors can ask for recommendations to mediate to the paypal service center but if they are not finished, business actors and consumers can resolve disputes through litigation, which usually business actors are subject to the applicable law, applies where the consumer is a national.

Perkembangan teknologi informasi dan komunikasi telah membawa pengaruh positif dan negatif, ibarat pedang bermata dua. Pemanfaatan teknologi informasi dan komunikasi disatu pihak memberikan kontribusi bagi peningkatan kesejahteraan dan peradaban manusia, di lain pihak kemajuan Teknologi ITE (Informasi Dan Transaksi Elektronik) tersebut dapat dimanfaatkan untuk melakukan perbuatan perbuatan yang bersifat melawan hukum, yang menyerang berbagai kepentingan hukum orang, masyarakat dan negara. Tujuan penelitian ini adalah untuk mengetahui pertanggungjawaban dan pertimbangan hakim terhadap seorang narapidana yang melakukan tindak pidana pemalsuan akun facebook atas nama pejabat negara (Studi Putusan Nomor : 6/Pid.Sus/2021/PN.Met). Metode penelitian yang digunakan yaitu normatif dan empiris. Dimana penulis melakukan studi kepustakaan dan juga studi lapangan dengan melakukan wawancara ke Kejaksaan Negeri Metro dan Pengadilan Negeri Kota Metro. Hasil penelitian menunjukkan bahwa Pertanggungjawaban pidana terhadap pelaku tindak pidana ITE Pencemaran nama baik terhadap Pejabat negara, yaitu bahwa menurut teori kesalahan bahwa seseorang dapat mempertanggungjawabkan kesalahannya yakni terdapat tindakan yang menimbulkan suatu akibat yang telah dilarang oleh undang-undang dan juga terpenuhinya unsur-unsur pidana selanjutnya dari delik yang bersangkutan berdasarkan Putusan Nomor : 6/Pid.Sus/2021/PN.Met tentang tindak pidana ITE, diketahui bahwa Majelis Hakim dalam perkara tersebut menjatuhkan hukuman dengan pidana penjara selama 3 (tiga) Tahun.