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Terakhir, saya menganalisis faktor yang mampu membuat binary option dapat mempengaruhi masyarakat Indonesia adalah cara kerja promosinya. Binary option melakukan promosi dengan mengedepankan jaminan profit dan cenderung memaparkan keuntungan yang didapat dibanding proyeksi risiko yang bisa dialami.
Sehingga, masyarakat yang kurang literasi finansialnya akan mudah terpengaruhi. Terlepas dari semua faktor penyebab binary option yang dinyatakan ilegal dapat berkembang dengan pesat di Indonesia, saya menarik satu benang merah yang menjadi persoalan mendasar dalam permasalahan ini yaitu kurangnya edukasi finansial masyarakat. Edukasi finansial memiliki urgensi yang besar dalam permasalahan ini.
Faktanya, kelas masyarakat yang finansialnya teredukasi dengan baik tidak akan mudah terpengaruh dengan berbagai iklan mengenai binary option. Fakta bahwa banyak masyarakat Indonesia yang mengalami kerugian akibat binary option mengindikasikan bahwa sebagian besar masyarakat Indonesia tingkat literasi finansialnya masih rendah, sehingga mudah dipengaruhi oleh produk-produk finansial yang belum jelas legalitasnya.
Edukasi finansial dengan meningkatkan literasi finansial mampu membentuk sikap skeptis masyarakat terhadap berbagai produk finansial. Sehingga, masyarakat yang memiliki edukasi finansial yang baik akan cenderung menganalisis suatu produk finansial secara holistik.
Masyarakat yang memiliki edukasi finansial yang baik akan cenderung mempertimbangkan risiko dibanding keuntungan yang didapatkan, sehingga masyarakat dapat melihat peluang finansial yang bisa diberikan oleh suatu produk finansial.
Dalam kasus binary option masyarakat bisa diberi edukasi mengenai risiko penggunaan binary option , bahwa binary option merupakan produk ilegal, artinya tidak ada jaminan dan perlindungan hukum terhadap apa-apa yang menimpa konsumen.
Ketika kita masih tetap menggunakannya, maka seluruh kerugian yang didapat ditanggung oleh konsumen. Kemudian penyalahgunaan data konsumen juga ditanggung oleh konsumen sendiri, karena faktanya banyak platform binary option yang melakukan praktik jual beli data konsumen.
Terakhir, edukasi finansial tidak hanya diberikan kepada masyarakat sebagai konsumen, tapi juga pada influencer sebagai afiliator. Bahwa mempromosikan produk-produk ilegal sama halnya dengan menggiring opini publik untuk mengonsumsi produk terlarang.
Artinya tindakan afiliator tersebut sudah pasti menentang hukum dan bisa diancam hukuman. Lebih dari pada itu, tindakan afiliator ini tak ubahnya penipuan secara massal, dan secara keji sang afiliator mengorbankan jutaan masyarakat hanya untuk keuntungan secara pribadi. Oleh karena itu, untuk menghentikan praktik ilegal binary option di Indonesia hanya bisa diwujudkan dengan satu cara yaitu memastikan seluruh masyarakat dan afiliator mendapat edukasi finansial yang baik.
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