TechnoBusiness Opinion
Pahami Dampak Teknologi terhadap Investasi!
Oleh Yudha Situmorang, Co-founder InvestBro.id
Published
2 years agoon
Oleh Yudha Situmorang
Co-founder InvestBro.id
•••
TechnoBusiness Opinion • Karena sebagian besar masyarakat yang melek teknologi berasal dari kalangan milenial, maka tidak heran jika kelompok ini menjadi salah satu golongan yang semakin sadar terhadap pentingnya investasi. Terlebih saat ini kaum milenial sudah banyak yang bekerja sehingga punya kesempatan lebih untuk berinvestasi sejak dini.
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Jika Anda masih belum yakin, di bawah ini merupakan beberapa contoh dampak positif dari semakin berkembangnya teknologi di bidang keuangan di Tanah Air.
- Informasi semakin mudah diperoleh
Kemudahan informasi menjadi kunci dari meningkatnya investasi di kalangan masyarakat. Sebab, masyarakat yang melek investasi merupakan masyarakat yang memiliki akses lebih baik terhadap informasi keuangan. [the_ad id=”13590″]
Dengan adanya teknologi, terutama internet, tentu membuat berbagai informasi seputar dunia finansial dan investasi lebih mudah dikonsumsi oleh masyarakat umum. Bandingkan dengan zaman dulu yang hal-hal itu hanya diketahui oleh segelintir orang sehingga membuat investasi tidak populer.
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Maka dari itu, saat ini pemerintah dan swasta gencar memberikan informasi tentang manfaat investasi serta pedoman cara berinvestasi yang aman bagi pemula. Dengan begitu, diharapkan minat masyarakat umum untuk berinvestasi akan semakin meningkat.
- Akses terhadap produk investasi yang lebih mudah
Tidak dapat dimungkiri jika perkembangan teknologi membuat berbagai produk investasi semakin berkembang. Dengan teknologi pula, akses masyarakat terhadap berbagai produk keuangan dan investasi akan semakin mudah dan murah. [the_ad id=”13590″]
Sebagai contoh, jika ingin berinvestasi, dulu perlu biaya yang besar serta melewati prosedur yang ribet sehingga tidak terlalu disukai. Namun, dengan hadirnya berbagai aplikasi investasi, maka sekarang siapa pun bisa berinvestasi di mana saja, kapan saja, dengan modal yang sangat terjangkau.
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Lebih dari itu, jenis produknya pun cukup beragam, mulai dari saham, logam mulia, hingga mata uang kripto. Persyaratannya sangat mudah sehingga yang masih sekolah atau kuliah pun bisa berinvestasi.
Investor bisa bertransaksi secara online, baik jual maupun beli, dengan fasilitas online trading, yang mana hal ini bisa menjadi dorongan untuk orang melakukan investasi.[the_ad id=”13590″]
- Transaksi yang semakin mudah
Selain akses ke berbagai produk investasi, perkembangan teknologi juga semakin mempermudah aneka macam transaksi keuangan. Kebanyakan aplikasi investasi yang ada di Indonesia saat ini mulai menggunakan pembayaran digital untuk melakukan transaksi karena dipandang lebih praktis.
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3 Efek Negatif Penggunaan Teknologi
Namun, di balik kecanggihannya, harus dipahami bahwa teknologi juga memiliki dampak negatif terhadap penggunanya. Dampak negatif dari penggunaan teknologi adalah sebagai berikut:
- Keamanan data terancam
Masalah utama dari penggunaan teknologi di bidang keuangan dan investasi adalah soal keamanan data pribadi. Seperti diketahui, saat ini banyak sekali kejahatan siber yang sengaja menargetkan data pribadi untuk diperjualbelikan secara ilegal.
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Hal ini tentu saja sangat berisiko karena jika data tersebut dimanfaatkan untuk tindakan kejahatan maka Anda bisa menjadi pihak yang dituduh atau disalahkan. Selain itu, penyalahgunaan data pribadi sering kali ditujukan untuk kepentingan bisnis sehingga membuat banyak pihak merasa kurang nyaman. [the_ad id=”13590″]
- Rawan penipuan
Selain keamanan data, masalah selanjutnya adalah risiko penipuan yang umum ditemukan di masyarakat. Meskipun perkembangan teknologi semakin meningkat, hal ini tidak diimbangi dengan pengetahuan tentang bagaimana memilih investasi yang aman.
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- Aturan yang belum siap
Perkembangan teknologi yang semakin maju tentu membutuhkan aturan yang sesuai. Sayangnya, saat ini aturan yang dibuat pemerintah belum mampu memfasilitasinya dengan baik. Oleh sebab itu, jika ada hal-hal yang akhirnya merugikan nasabah, maka belum ada payung hukum untuk mengatasinya. [the_ad id=”13590″]
Meskipun teknologi sangat membantu meningkatkan minat investasi di masyarakat, tanpa adanya aturan yang jelas maka hal ini justru bisa menjadi kerugian tersendiri. Terlebih sebagian besar masyarakat tanah air belum terlalu paham seluk beluk investasi dan dunia keuangan sehingga akhirnya banyak yang menjadi korban investasi abal-abal.
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Itulah sedikit contoh dampak positif dan negatif atas penggunaan teknologi sebagai media investasi. Memang harus diakui jika perkembangan teknologi semakin membuka mata orang-orang tentang pentingnya berinvestasi sejak dini. Namun, bila tidak ada aturan serta payung hukum yang jelas, maka hal ini tentu cukup membahayakan perekonomian nasional.•
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