PERLINDUNGAN HUKUM TERHADAP PENGGUNA E-WALLET DALAM SISTEM PEMBAYARAN DIGITAL DI INDONESIA
Abstract
This research examines the legal protection for e-wallet users along with its development in Indonesia, where in a digital wallet (e-wallet) not only money is in it but also the personal data of the user. This study uses normative legal research, the data collection method in this study is the library research method. In this study using data analysis with quantitative methods that produce analytical descriptive data. The results of this study, the legal provisions regarding digital wallets in Indonesian laws and regulations have not been specifically regulated. However, several Bank Indonesia regulations have discussed digital wallets, namely procedures and permits for digital wallet management so that digital wallets can be legally applied to matters that digital wallet operators must comply with. The Financial Services Authority as the body that regulates the implementation of payment system services, including digital wallets, has an obligation to ensure the protection of its users. In addition to formulating regulations and policies, it is also necessary to oversee the implementation of these regulations, because there are still many digital wallet users who experience losses and difficulties, and do not even receive solutions or accountability for business actors for the losses they experience.
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DOI: http://dx.doi.org/10.31958/jisrah.v4i3.11741
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