The article discusses how the Financial Services Authority in Indonesia works to protect consumers in the growing fintech industry. It explains that while fintech can make financial services easier, consumers may not fully understand the risks involved. The article looks at the laws governing fintech businesses and how they can benefit consumers, but also potentially harm them if not regulated properly. It emphasizes the importance of consumer protection in financial services, the challenges of fintech growth, and the role of the Financial Services Authority in overseeing the industry.