This study aims to determine the juridical factors that distinguish the criteria for
financial technology under the regulations of Bank Indonesia and the Financial
Services Authority and to determine the juridical consequences of this on society,
especially business actors in the field of financial technology.This research uses a
normative research with the type of regulatory synchronization. This study uses
secondary data consisting of primary legal materials, namely related laws and
regulations and secondary legal materials, namely books, journals and articles. The
data obtained were then analyzed using qualitative methods.Based on the research
results, there are juridical factors that cause differences in definitions and criteria
between Bank Indonesia and the Financial Services Authority. This difference causes
juridical consequences for business actors operating in the field of financial
technology.