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Journal articles on the topic 'Consumers of financial services'

Author: Grafiati

Published: 28 May 2022

Last updated: 30 July 2025

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1

Wijayanti, Sita Adelia Jatu, and Akhmad Budi Cahyono. "Consumer Representative Actions in the Financial Sector." Nagari Law Review 7, no. 1 (2023): 1. http://dx.doi.org/10.25077/nalrev.v.7.i.1.p.1-13.2023.

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The presence of a non-governmental consumer protection organization plays a vital role in assisting consumers whose position tends to be weak and overseeing the implementation of bank executions so that they are carried out fairly. The organization can also represent a broad group of consumers to appear before the court for consumer protection. This study analyzes the legal protection of consumers based on the omnibus financial law of the Financial Sector Development and Strengthening Law and the Consumer Protection Law as well as the role of non-governmental consumer protection institutions i

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2

Efimov, А. V. "Judicial Protection of the Rights of Consumers of Financial Services." Rossijskoe pravosudie 5 (May 25, 2021): 89–95. http://dx.doi.org/10.37399/issn2072-909x.2021.5.89-95.

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. The institution of a financial ombudsman significantly affects the procedure for protecting the rights of consumers of financial services. The problem is that the protection of consumer rights in the courts is complicated by the factual double mandatory pre-trial procedure for resolving a dispute, in which, before going to court, the consumer is obliged to contact a financial organizationand a financial ombudsman. The purpose of this article is to formulate a theoretical approach to the balance between consumer access to justice and the burden on the judicial system. Research objectives: cha

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Nur Husni Emilson, Koesrin Nawawi, and Soleh Idrus. "PERLINDUNGAN & PENYELESAIAN SENGKETA KOSUMEN SEKTOR JASA KEUANGAN." Juris 7, no. 1 (2023): 181–85. http://dx.doi.org/10.56301/juris.v7i1.871.

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Disputes in the financial services sector can occur if there is a difference in understanding between the institution and the consumer regarding a service product from the related financial institution or from the institution's negligence in fulfilling its obligations. Consumer protection is all efforts to provide legal certainty to consumers. The PK Law is the legal basis for legal protection for consumers, while the OJK Law is the Constitution of the establishment of Financial Institutions, in this case the OJK as an independent body that regulates, supervises, inspects and investigates in t

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Mulkan, Hasanal, Veni Ardea Regita, Marissa Ikhsan, Fathya Faradilla, and Muhammad Rizky Kurniawan. "Perlindungan Dan Penyelesaian Sengketa Kosumen Sektor Jasa Keuangan." Justicia Sains: Jurnal Ilmu Hukum 8, no. 1 (2023): 116–25. http://dx.doi.org/10.24967/jcs.v8i1.2379.

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Disputes in the financial services sector can occur if there is a difference in understanding between the institution and the consumer regarding a service product from the related financial institution or from the institution's negligence in fulfilling its obligations. Consumer protection is all efforts to provide legal certainty to consumers. The PK Law is the legal basis for legal protection for consumers, while the OJK Law is the Constitution of the establishment of Financial Institutions, in this case the OJK as an independent body that regulates, supervises, inspects and investigates in t

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Masilo, Kgomotso Hilda. "Debt counselling services in Gauteng (South Africa): Consumers’ perspective." Journal of Governance and Regulation 3, no. 3 (2014): 120–27. http://dx.doi.org/10.22495/jgr_v3_i3_c1_p5.

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Debt counsellors are receiving a high number of applications from over-indebted consumers on a monthly basis. This paper investigates the effectiveness of debt counselling on consumer financial wellness. Three hundred consumers were surveyed and a response rate of 61% was achieved. Data was analysed using descriptive statistics. There was no evidence that consumers who received debt counselling improved in their financial standing. The article concluded that though debt counselling is important, it does not necessarily improve the financial prosperity of over-indebted consumers. The paper reco

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6

Naim, Arshi, and Mohammad Faiz Khan. "Consumer Behavior for Health Services: A Psychological Approach." Science Progress and Research 1, no. 4 (2021): 356–67. http://dx.doi.org/10.52152/spr/2021.155.

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The objective of the research is to understand Psychographic aspect of Consumer Behavior for health services and accordingly effort to understand how proactive behavior can be inculcate amongst consumers. Data was collected from primary source which are Medical Practitioners, Medical Representatives and Patients. Research method is adaptive as it tries to influence present psychographic consumer behavior towards health and fitness and to measure responses likert scale is used. To do optimal health and financial outcomes to fitness the research method is both Qualitative as well as Quantitative

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Hiariej, Gian Chelvanno, Teng Berlianty, and Marselo Valentino Geovani Pariela. "Perlindungan Hukum Data Pribadi Konsumen Terhadap Pelaku Usaha Jasa Keuangan." TATOHI: Jurnal Ilmu Hukum 3, no. 5 (2023): 464. http://dx.doi.org/10.47268/tatohi.v3i5.1806.

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Introduction: Financial services businesses use personal data in the form of consumer telephone numbers as information and communication to enable the distribution of data and information on financial products, in this case such as credit offers and/or service offers, quickly and directly with consumers or potential consumers.Purposes of the Research: (1.) To know and understand the legal protection of consumers regarding the personal data used. (2.) How is the application of the principle of rights in Consumer Personal Data Law to Financial Financing Service Business Actor.Methods of the Rese

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8

Singh, Pushpkiran, Tejas Dave, and Ashish B. Joshi. "Moderating role of Digital Consumer Protection in Impacting the Intention to Use Digital Financial Services." International Review of Management and Marketing 14, no. 5 (2024): 222–34. http://dx.doi.org/10.32479/irmm.16842.

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Digital finance has the potential to increase financial services accessibility and financial inclusion of the people in need. Digital Financial Services encompass a range of financial services that are accessible and utilized via digital platforms, including lending, payments, insurance, and eventually personal finance management. In addition to more contemporary financial solutions like digital lending platforms, crowdfunding platforms, peer-to-peer (P2P) lending, digital payments, e-commerce, mobile wallets, and app-based lending, digital financial services also include more traditional fina

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Leyshon, Andrew, Nigel Thrift, and Jonathan Pratt. "Reading Financial Services: Texts, Consumers, and Financial Literacy." Environment and Planning D: Society and Space 16, no. 1 (1998): 29–55. http://dx.doi.org/10.1068/d160029.

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The authors focus upon the changing nature of production and consumption within the retail financial services industry. The perennial problem which faces all producers of financial services is information asymmetry; that is, providers and consumers of financial products have unequal amounts of information about whether or not customers have the wherewithal to make them ‘capable’ purchasers. Thus, the problem of information asymmetry is usually manifested in a priori decisionmaking about the suitability of customers. This problem has traditionally been overcome by forging interpersonal relation

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10

Widijantoro, Johanes. "THE ROLE OF FINANCIAL SERVICES AUTHORITY IN THE CONSUMER PROTECTION AMID THE GROWTH OF FINTECH INDUSTRY IN INDONESIA." Mimbar Hukum - Fakultas Hukum Universitas Gadjah Mada 31, no. 2 (2019): 297. http://dx.doi.org/10.22146/jmh.43129.

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The growth of the financial technology (fintech) industry is a necessity as an effort to make financial services more practical and efficient. On the other hand, consumers of financial services are still low in financial literacy levels, especially in considering various risks that can occur in dealing with the fintech industry. Indonesian Financial Services Authority (OJK) is the body responsible for carrying out the protection of consumers of financial services. This article describes how legal matters in the fintech business, which are actually useful and can encourage financial inclusion,

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Meena, Rajesh. "The Impact of Financial technology on Financial Services: A Comprehensive Analysis." RESEARCH REVIEW International Journal of Multidisciplinary 8, no. 3 (2023): 185–92. http://dx.doi.org/10.31305/rrijm.2023.v08.n03.022.

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Financial technology refers to the integration of technology into financial services, creating new opportunities for businesses and consumers. Financial technology companies offer a variety of products and services, including online banking, digital wallets, mobile payments, peer-to-peer lending, and crowd funding. These services are typically faster, cheaper, and more convenient than traditional financial services, and they also cater to underserved communities. Financial technology has grown due to technological advancements, changes in consumer behavior, and growing demand for transparent a

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Lobozynska, Sophia, Iryna Skomorovych, and Ulyana Vladychyn. "State Policy of Consumer Protection in the Digital Financial Services Market in Ukraine." Finanse i Prawo Finansowe 2, no. 26 (2020): 51–62. http://dx.doi.org/10.18778/2391-6478.2.26.04.

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The rapid development of digital financial technologies in Ukraine leads to the emergence of new risks and to significant consumers’ losses in the financial market. The aim of the study is to develop strategic directions of state policy of consumer protection in the digital financial services market considering the best world practices and features of the financial system of Ukraine.System scientific analysis was used to study the possibilities of implementing international quality standards for digital financial services in Ukrainian legislation. The method of statistical analysis of data was

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13

Javalgi, Rajshekhar G. "Marketing Financial Services to Affluent Consumers." Journal of Services Marketing 6, no. 2 (1992): 33–44. http://dx.doi.org/10.1108/08876049210035845.

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14

Kennett, Pamela A., George P. Moschis, and Danny N. Bellenger. "Marketing financial services to mature consumers." Journal of Services Marketing 9, no. 2 (1995): 62–72. http://dx.doi.org/10.1108/08876049510086026.

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15

Ilias, Ibtisam a. k. a. Ilyana, Muhamad Ikhwan Mohd Zain, Nur Ezan Rahmat, and Dinda Keumala. "A Comparative Assessment of Alternative Dispute Resolution for Financial Consumer Protection in Malaysia and Indonesia." Environment-Behaviour Proceedings Journal 8, SI13 (2023): 23–29. http://dx.doi.org/10.21834/e-bpj.v8isi13.5041.

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The Ombudsman for Financial Services (OFS) handles financial services complaints in Malaysia. Meanwhile, the Alternative Institution for Dispute Resolution in the Financial Services Sector (LAPS SJK) handles financial disputes and safeguards customers from financial fraud in Indonesia. This study aims to analyse and compare the legal framework in both institutions for protecting financial consumers, considering their similarities and differences in regulatory approaches, consumer rights, and enforcement mechanisms. The findings of this study can provide insights for policymakers and regulators

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Suyanto, Heru, Andriyanto Adhi Nugroho, and Surahmad Surahmad. "TANGGUNG JAWAB OTORITAS JASA KEUANGAN DALAM PENANGGULANGAN PENIPUAN INVESTASI." Pamulang Law Review 1, no. 1 (2019): 15. http://dx.doi.org/10.32493/palrev.v1i1.2843.

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Abstract The Financial Services Authority (OJK) is an institution that has the functions, duties and authority to regulate, supervise, examine and investigate. In addition OJK also has the duty and authority to protect consumers throughout the financial services sector. In the task of protecting consumers regulated in article 28 of Law No. 21 of 2011, includes providing information and education to the public on the characteristics of the financial services sector, services and products; ask the Financial Services Institution to stop its activities if the activity has the potential to harm the

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Rohit, Vishal, and Sumaiya Sheikh. "The Financial Services Provided by Fintech Companies to Consumers." International Journal of Research Publication and Reviews 6, no. 3 (2025): 4987–92. https://doi.org/10.55248/gengpi.6.0325.1230.

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18

Smyczek, Sławomir. "Financial knowledge and consumers’ financial illiteracy on financial services market." Studia i Prace WNEiZ 43 (2016): 381–90. http://dx.doi.org/10.18276/sip.2016.43/3-35.

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19

Abdillah, Riad, Sjaifurrachman Sjaifurrachman, Abintoro Prakoso, and Evi Dwi Hastri. "Legal Protection in Consumer Dispute Resolution: Independence of the Financial Services Authority (OJK)." International Asia Of Law and Money Laundering (IAML) 3, no. 2 (2024): 53–61. http://dx.doi.org/10.59712/iaml.v3i2.87.

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The progress of the national economy is influenced by financial services. The Financial Services Authority (OJK) as an independent institution that is responsible and plays an important role in supervising and regulating management in the financial services sector, is committed to providing legal protection guarantees for consumer rights. The normative legal research method using a statutory approach and this concept approach shows the results that the Financial Services Authority (OJK) has used the concept of Alternative Dispute Resolution (ADR) as part of pseudo/quasi by establishing an Alte

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20

Kanudawala, Piyushkumar Jagdishbhai, and Dr. Hetal Unadkat. "Consumer protection and the role of advice in the retail financial services market." International Journal of Advance and Applied Research 5, no. 21 (2024): 39–42. https://doi.org/10.5281/zenodo.12704433.

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<strong>Abstract:</strong>         The retail financial services market is crucial for personal financial stability and economic growth. However, consumers often face challenges due to complex products, information asymmetry, and potential conflicts of interest from financial advisors. This paper explores the mechanisms of consumer protection in this sector, highlighting regulatory frameworks, transparency requirements, and the enforcement of fair practices. It also examines the critical role of financial advice, assessing how well-informed and unbiased guida

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21

Prasad, Jitin, and Vijay Lakshmi. "THE INFLUENCE OF CUSTOMER EDUCATION AND THEIR PROTECTION IN BANKING SERVICES." International Journal of Social Sciences & Economic Environment 5, no. 2 (2020): 01–11. http://dx.doi.org/10.53882/ijssee.2020.0502001.

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Purpose: The prime objective of the study is to analyse financial literacy among consumers and also examine the impact of financial literacy on consumer protection. Design/Research Methodology/approach: A random sample of 212 customers was chosen as the respondents for the study. A self-administered questionnaire was used for the collection of primary data and distributed to the random samples and has been tested with standard deviation and one sample t-test. Findings: This study has found that most of the respondents are unaware of the grievance redressal system exists for banking customers.

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22

Manachynska, Yuliya, and Maria Firchuk-Lukasheva. "Analysis of banks and financial services consumers rights protection in the context of banking sustainable development." Economic Analysis, no. 34(4) (2024): 164–79. https://doi.org/10.35774/econa2024.04.164.

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Introduction. In today's economic environment, banks play a key role in the financial system, providing resource mobilization, lending, and risk management. However, the development of banking activity is accompanied by challenges to ensure transparency, reliability and compliance with the rights of consumers of financial services. Aim. The purpose of the article is to analyze the activities of banks with an emphasis on aspects of protecting the rights of consumers of financial services. The main functions of banks, their role in economic development and interaction with clients are considered

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23

Rosati, Pierangelo, Grace Fox, Mark Cummins, and Theo Lynn. "Perceived Risk as a Determinant of Propensity to Adopt Account Information Services under the EU Payment Services Directive 2." Journal of Theoretical and Applied Electronic Commerce Research 17, no. 2 (2022): 493–506. http://dx.doi.org/10.3390/jtaer17020026.

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Globalisation, technological advances, liberalisation of financial markets, and changing consumer behaviour are transforming banking profoundly. Under the EU Payment Services Directive 2 (PSD2), incumbent banks must open up their data, processes, and business functionalities to customers and third parties including rivals. It is critical to understand consumer behaviour post-PSD2, and the potential impact of PSD2 on the functioning of the retail banking and financial services market. In this preliminary study of 244 consumers from six European countries, we explore the role of social influence

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Robertson, Viktoria H. S. E. "Consumer Welfare in Financial Services: A View from EU Competition Law." Yearbook of Antitrust and Regulatory Studies 11, no. 17 (2018): 29–52. http://dx.doi.org/10.7172/1689-9024.yars.2018.11.17.2.

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The paper analyses to what extent financial consumer protection forms part of the competition law objective of consumer welfare that EU competition law nowadays adheres to. It argues that while EU consumer law more generally aims at protecting the final consumer, EU financial consumer protection instruments often protect a broader spectrum of customers. This wider notion of the consumer can also be found in EU competition law, where the consumer is usually likened to any customer. A notable difference between EU financial consumer protection and EU competition law, however, is that they place

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Wibowo, Dwi Edi, Liana Endah Susanti, and Aditya Migi Prematura. "The Implementation of Justice Value for Consumer Protection Study of the Financial Services Authority Regulation Number: 1/Pojk.07/2013 Concerning Consumer Protection." International Journal of Law Society Services 2, no. 1 (2022): 1. http://dx.doi.org/10.26532/ijlss.v2i1.20125.

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The role of the internet in information technology has been used to develop the financial industry through modification and efficiency of financial services, known as Financial Technology or Fintech. Fintech has many types, including payment startups, lending, personal finance, retail investment, crowdfunding, remittances, financial research and others. Fintech, a type of technology-based lending and borrowing money or peer to peer lending (P2P-lending), is a type of Fintech that is growing rapidly in Indonesia, problems that must be resolved regarding the Implementation of Justice Value For C

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Ryabkov, A. A. "Independent Expertise Organized by the Ombudsman for the Rights of Consumers of Financial Services: Procedural Problems and Place in the System of Evidence in Civil Proceedings." Juridical science and practice 19, no. 2 (2023): 64–74. http://dx.doi.org/10.25205/2542-0410-2023-19-2-64-74.

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The present research deals with the procedural problems connected with the independent expertise, organized by the Financial services consumer rights ombudsman, the conclusion about the significant differences of this expertise from the judicial expertise, the conclusion that the expertise organized by the Financial services consumer rights ombudsman in the judicial process refers to the written evidence, and at the same time leads to an increased standard of justification for the appointment of judicial expertise. Within the framework of the article the author proposed measures aimed at detai

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Sri Astutik and Irawan Soerodjo. "The Role Of The Financial Services Authority In Setting The Interest Rate For Financial Technology Loans As Consumer Protection Of Financial Services." Yuridika 38, no. 2 (2023): 431–42. http://dx.doi.org/10.20473/ydk.v38i2.40064.

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The development of modern business in the digital era in the services of non-bank financial institutions, which provides convenience and acceleration in services to consumers of financial services is Financial Technology. Peer-to-peer lending is a fintech product that provides loans to debtors at high interest rates. The maximum loan interest rate set by the Indonesian Joint Funding Fintech Association (AFPI) is 0.8% per day. This determination is very burdensome for the debtor as a consumer of financial services, so there needs to be protection and regulation by the authorized institution. Th

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Mykytenko, Liudmyla, Yuliia Tyshchenko, Olena Sevastyanenko, Anton Demchuk, and Karyna Kolomiiets. "Protection of consumer rights in Ukraine." Cuestiones Políticas 41, no. 76 (2023): 568–91. http://dx.doi.org/10.46398/cuestpol.4176.34.

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The article analyzes the conceptual foundations of the formation of a system of protection of the rights and legitimate interests of consumers. With the help of the dialectical method, a complex of general and special scientific methods, the essence of civil legal protection of consumer rights and organizational, legal and economic aspects of consumer protection have been clarified. The necessity of development and approval of unified standards for rendering financial services to consumers has been demonstrated. The main directions of formation and implementation of the policy of consumer righ

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Jitin, Prasad, and Lakshmi Vijay. "THE INFLUENCE OF CUSTOMER EDUCATION AND THEIR PROTECTION IN BANKING SERVICES." International Journal of Social Sciences & Economic Environment, 5, no. 2 (2020): 01–11. https://doi.org/10.53882/IJSSEE.2020.0502001.

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<strong>ABSTRACT</strong> <strong><em>Purpose:</em></strong><em> The prime objective of the study is to analyse financial literacy among consumers and also examine the impact of financial literacy on consumer protection.</em>   <strong><em>Design/Research Methodology/</em></strong><strong><em>approach</em></strong>: <em>A random sample of 212 customers was chosen as the respondents for the study. A self-administered questionnaire was used for the collection of primary data and distributed to the random samples</em><em> and has been tested with </em><em>standard deviation and one sample t-

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30

Kulakova, D. V. "The Legal Nature of the Institution of the Commissioner for the Rights of Consumers of Financial Services." Proceedings of Southwest State University. Series: History and Law 14, no. 1 (2024): 22–32. http://dx.doi.org/10.21869/2223-1501-2024-14-1-22-32.

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Relevance. In 2018, the Institute of the Commissioner for Consumer Rights of Financial Services was established in the Russian Federation. The number of financial services provided to consumers is undoubtedly growing, and the number of cases of violation of citizens' rights by financial market organizations is also increasing. The Financial Commissioner is established to protect the rights of consumers, he considers disputes between consumers of financial services and financial organizations. The importance of the institution of the Commissioner for the Rights of Consumers of Financial service

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31

Van Miert, Karel. "L’Europe de la consommation." Revue française d'administration publique 56, no. 1 (1990): 615–24. http://dx.doi.org/10.3406/rfap.1990.2404.

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Consumer Protection in the EEC. Consumer protection policy has developed since 1972. The achievement of internal market requires from the Commission the adoption of adequate regulations in order to guarantee consumer’s interests and to organize their legal protection. The three-year european plan of action defines four specific programs : consumer’s representation ; open access to information about financial services and comparative publicity ; consumers safety and security ; fair transactions. Nevertheless, it is necessary to surmount the contradictions between consumers and producers’ intere

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Gritten, Adèle. "New insights into consumer confidence in financial services." International Journal of Bank Marketing 29, no. 2 (2011): 90–106. http://dx.doi.org/10.1108/02652321111107602.

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PurposeA paradigm shift in consumer confidence has taken place with the worst recession on record forcing people to evaluate their personal and household finances. This paper seeks to explore the extent to which consumer confidence has been tarnished, and how it has evolved post‐recession. It aims to take both retrospective and prospective views on what has changed in the British psyche since the credit crunch, looking at where new confidences have been found and where old confidences have been lost, and hypothesising about the extent to which consumer behaviour will remain constant or further

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Kokorev, Rostislav, Tatyana Plotnikova, Anna Solodukhina, Irina Surkova, and Sergey Trukhachev. "Information asymmetry on financial market and protection of credit services consumers’ rights in the Russian Federation." Moscow University Economics Bulletin 2015, no. 6 (2015): 17–39. http://dx.doi.org/10.38050/01300105201562.

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The article is based on the results of the monitoring of financial services consumers’ rights protection, held within the framework of the joint project «Financial Education and Financial Literacy»оf the Russian Мinistry of Finance and the World Bank. The results show the influence of information asymmetry on consumers’ and financial organizations’ behavior in the retail credit market (broken into such segments as consumer credits, mortgages, car credits, microfinance lending). The paper identifies the most serious violations of consumers’ rights provoked by the asymmetry and offers recommenda

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Sitnik, A. A. "Behavioral Supervision in the Financial Market." Lex Russica 76, no. 3 (2023): 41–51. http://dx.doi.org/10.17803/1729-5920.2023.196.3.041-051.

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The paper is devoted to the study of issues related to the implementation of behavioral supervision in the financial market. It is determined that the issues of legal regulation of the protection of the rights and legitimate interests of consumers of financial services in general and behavioral supervision in particular, financial market regulators began to pay increased attention after the global financial crisis of 2008. In its most general form, behavioral supervision is the supervision of how financial institutions interact with consumers. At the same time, behavioral supervision is associ

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Zuhirsyan, Muhammad, Supaino Supaino, Asep Dadan Suhendar, Yuyun Taufik, and Andry Nurmansyah. "Urgensi Pengembangan Regulasi Pengelolaan Ziswaf Lembaga Pendidikan Pesantren." Jurnal Hukum Kaidah: Media Komunikasi dan Informasi Hukum dan Masyarakat 22, no. 2 (2023): 327–40. http://dx.doi.org/10.30743/jhk.v22i2.6496.

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The establishment of OJK is to organize an overall supervisory and regulatory system, especially in financial sector activities, both in non-bank and banking institutions. OJK has three objectives, namely creating a financial services sector that is contributive to equal distribution of wealth, creating a financial services sector that is stable, foreign-powered, and realizing financial services that are inclusive for society by providing credible protection to the consumers. This study aims to find out what regulations are issued by the Financial Services Authority institutions to protect the

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Kholil, Ahmad. "Peran Otoritas Jasa Keuangan Terkait Perlindungan Konsumen Berbasis Maqasid Syariah." Jurnal Hukum Kaidah: Media Komunikasi dan Informasi Hukum dan Masyarakat 22, no. 2 (2023): 229–44. http://dx.doi.org/10.30743/jhk.v22i2.6489.

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The establishment of OJK is to organize an overall supervisory and regulatory system, especially in financial sector activities, both in non-bank and banking institutions. OJK has three objectives, namely creating a financial services sector that is contributive to equal distribution of wealth, creating a financial services sector that is stable, foreign-powered, and realizing financial services that are inclusive for society by providing credible protection to the consumers. This study aims to find out what regulations are issued by the Financial Services Authority institutions to protect the

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37

Milner, Trenton, and Daniela Rosenstreich. "Insights into mature consumers of financial services." Journal of Consumer Marketing 30, no. 3 (2013): 248–57. http://dx.doi.org/10.1108/07363761311328919.

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Harrison, Tina. "Predicting Segment Membership of Financial Services Consumers." Journal of Segmentation in Marketing 2, no. 2 (1998): 45–59. http://dx.doi.org/10.1300/j142v02n02_04.

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Neacșu, Nicoleta Andreea, Carmen Elena Anton, Camelia Mirela Baba, and Anca Popescu. "Financial and Banking Education of Consumers in the Context of Sustainable Development Society." Sustainability 15, no. 13 (2023): 10052. http://dx.doi.org/10.3390/su151310052.

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The paper addresses the consumer’s behaviour toward banking services, outlining the need to deepen and complete a financial-banking education. The purpose of the study is to identify the opinions of consumers of banking services regarding the collaboration relationship with financial-banking institutions from the perspective of financial education and sustainable development. In this regard, the authors carried out an analysis of the content of loan agreements using: the method of evaluation grids—a specific method of diagnostic analysis supplemented with in-depth interview—a qualitative resea

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Sari Permata, Irma. "Perlindungan Konsumen di Sektor Jasa Keuangan Perbankan." SULUH: Jurnal Abdimas 1, no. 2 (2020): 122–29. http://dx.doi.org/10.35814/suluh.v1i2.1234.

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Financial institutions of the banking sector are one of the financial institutions that serve as the measure of progress of a country. To realize the financial system that grows continuously and stable, and able to protect the interests of consumers and society, the Government established the OJK (Financial Services Authority). This research uses secondary data relating to the level of effectiveness of consumer protection of financial services. Data collection techniques through observation, library studies. The result of this research is the development of consumer complaints in the banking f

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Yue, Shuying, Yu, Tuoxin, Li, Jin, and Yan, Qiang. "The Consumer Buying Behavior and Its Relationship to Financial Management of a Purchasing Company." Journal of Business and Management Studies 6, no. 1 (2024): 97–109. http://dx.doi.org/10.32996/jbms.2024.6.1.5.

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Consumer behavior is crucial for understanding and managing the financial aspects of a company. It involves how consumers make decisions and use products and services. Understanding consumer behavior helps companies understand customer reactions to product features, prices, and marketing strategies. This study assessed consumer buying behavior and its relationship to financial management, revealing that online shopping has a positive effect on a company's financial management. However, consumers still prefer in-store purchases due to a lack of assurance and resources. Therefore, understanding

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Senatore, Vincenzo. "Financial Consumers and Applicable Provisions a European and Italian Perspective." International Review of Financial Consumers 2, No. 1 Apr 2017 (2017): 17–42. http://dx.doi.org/10.36544/irfc.2017.1-3.

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In Europe, general legislation requires protection of the economic interests of consumers. This includes, for instance, the consumer protection from financial services, misleading advertising and unfair contract terms. However, only after the global financial crisis, the European Union (EU) has become aware of the lack of transparency, poor handling of conflicts of interest, over-indebtedness, and low awareness of risks of the consumers in dealing with financial services. This paper aims to investigate the financial knowledge and overconfidence in Europe, and to provide an overview of consumer

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Ilias, Ibtisam @. Ilyana, Rusni Hassan, Salina Kassim, and Elistina Abu Bakar. "CONSUMER CREDIT GRIEVANCE AND REDRESS MECHANISMS: THE MALAYSIA PERSPECTIVE." UUM Journal of Legal Studies 12, Number 2 (2021): 61–88. http://dx.doi.org/10.32890/uumjls2021.12.2.4.

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This study examines the redress mechanisms accessible to aggrieved consumers dealing with various consumer credit providers in Malaysia. The existing legal and institutional framework characterised by the piecemeal approach has led different groups of consumers to varying levels of access, which can be superior or inferior to one another. The study employs a doctrinal legal research methodology in analysing the two alternative dispute resolution bodies, namely, the Ombudsman for Financial Services, and the Tribunal for Consumer Claims. Primary sources of law, namely, the Consumer Protection Ac

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Kjørven, Marte Eidsand. "Who Pays When Things Go Wrong? Online Financial Fraud and Consumer Protection in Scandinavia and Europe." European Business Law Review 31, Issue 1 (2020): 77–109. http://dx.doi.org/10.54648/eulr2020004.

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Online financial fraud targeted at consumers through phishing attacks and identity theft, for example, is a growing problem. Because it can be difficult to recover losses from the person who committed the fraud, the loss will often remain with either the financial institution or the consumer. This paper’s research question relates to how losses following online financial fraud are and should be allocated between these two parties according to relevant Scandinavian and European law. For payment-transaction fraud, questions of loss allocation are regulated by national rules implementing the liab

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Cao Dinh, Lanh, and Hai Phan Thanh. "Enforcement of consumer rights protection laws and intention to reuse digital financial services among Generation Z youth: Empirical evidence from Vietnamese commercial banks." Banks and Bank Systems 19, no. 4 (2024): 17–33. http://dx.doi.org/10.21511/bbs.19(4).2024.02.

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Digital financial services are crucial in boosting the competitive edge of businesses and economies in numerous developing nations. This study aims to explore the factors that affect consumers’ perceptions of the implementation of consumer protection laws and their willingness to continue using digital financial services. Data were collected through interviews with 689 Gen Z consumers (born after 1996) who have used digital financial services in Vietnamese commercial banks. The results of the partial least square – structural equation modeling indicate that six factors influence attitudes towa

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Wang, Jiawen, and Qianqian Wang. "The Outlook of Financial Consumer Protection in China: Learning from the American Approach." Technium Social Sciences Journal 63 (November 9, 2024): 87–97. http://dx.doi.org/10.47577/tssj.v63i1.11853.

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In China, the range of financial derivative products has expanded considerably in recent years, with a corresponding increase in the complexity of these instruments. Financial institutions now offer a diverse array of financial products to consumers. There is a considerable disparity between financial consumers and financial institutions in a number of areas, including economic strength, social status, professional composition, negotiation ability and even judicial resources. Consequently, the topic of financial consumer protection is receiving increasing attention, and this issue is also a ma

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Benöhr, Iris. "Collective Redress in the Financial Sector and the New EU Deal for Consumers." European Review of Private Law 27, Issue 6 (2019): 1345–66. http://dx.doi.org/10.54648/erpl2019074.

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This article examines the role of collective redress in financial services, highlighting current obstacles for financial services users to access justice, and providing an overview of relevant EU measures and international best practices. Particular attention is devoted to various national dispute resolution models and major cases with the potential to affect a large number of financial services users across Member States. On the regulatory side, the article explores in detail the extent to which the New EU Deal for Consumers will introduce meaningful changes in the financial services sector.

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Hutabarat, Sylvana Murni Deborah, Siti Nurul Intan Sari Dalimunthe, Wardani Rizkianti, and Muthia Sakti. "Supervision of financial planning companies in consumer protection efforts." Borobudur Law Review 5, no. 1 (2023): 43–54. http://dx.doi.org/10.31603/burrev.7776.

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Buying and selling transactions, both services and goods, are growing rapidly along with technological developments. The profession of financial planning has been in great demand by the public in recent times, but this is inseparable from the existence of disputes which result in losses for consumers. Misappropriation of authority and violations committed by financial planning companies violate consumer rights. The Financial Services Authority has also yet to supervise because financial planners are not included in the financial sector. This research examined legal protection for financial pla

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MUN, JUNWOO. "Improvement plan of the act on the protection of financial consumer related to local governments: focusing on the comparison of the act on the protection of financial consumer and the framework act on consumer." Legal Studies Institute of Chosun University 30, no. 1 (2023): 299–326. http://dx.doi.org/10.18189/isicu.2023.30.1.299.

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A summary of improvement plans for the act on the protection of financial consumer related to local governments is as follows. 1. Article 1(purpose) of the act on the protection of financial consumer does not contain any content related to the ‘responsibility of local governments’. Article 1 of the act on the protection of financial consumer is “this act stipulates matters to be observed regarding the business of financial product sellers and financial product advisors, and national and local governments, in order to promote the rights and interests of financial consumers and establish a

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Imelda, Harris, Sulistya Rini Endang, and Karina Fauzeea Sembiring Beby. "The Influence of Financial Technology and Quality of Service on Satisfaction and Loyalty on Employees of Bank CIMB Niaga Bukit Barisan Branch on Grab App Users." International Journal of Business Management and Technology 6, no. 2 (2023): 65–77. https://doi.org/10.5281/zenodo.7676307.

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The development of information technology and telecommunications will make it easier for business people to run their business. One of the information and telecommunications technologies that support these needs is fintech. Currently, the development of fintech has made it easier for users of online-based services. In addition, the factors that must be considered are customer satisfaction and customer value. This is to keep consumers from switching to other companies. Customer satisfaction is one of the important elements in the continuity of the company's products and services to consumer

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