SECURITY LEGAL PROVISIONS FOR THE USE OF ELECTRONIC WALLETS AS TRANSACTION MEDIA BASED ON BANK INDONESIA REGULATION NUMBER 18 OF 2016 CONCERNING IMPLEMENTATION OF TRANSACTION PROCESSING 1.Dr. Anak Agung Sagung Ngurah Indradewi,S.H.,M.H. 2.I Wayan Partama Putra, S.H.,M.H.
Lecturer in Master of Laws, Faculty of Law, Dwijendra University
Abstract
The use of this electronic wallet makes it easier for humans to transact at a
distance or near. Only need a smartphone without cash and an ATM card, the
transaction process can be done. Based on this background, the authors raised the
formulation of the problem, namely how the legal regulation of the security of the
use of electronic wallets as a transaction medium is reviewed juridically based on
Bank Indonesia Regulation Number 18 of 2016 concerning the Implementation of
Transaction Processing and how is legal certainty regarding the security of the use
of electronic wallets as a transaction medium based on Bank Indonesia Regulations
Number 18 of 2016 concerning Implementation of Transaction Processing.
The research method in this study is Normative Legal Research with Statute
Approach, Conceptual Approach with Primary, Secondary, Tertiary Legal Material
Sources which are collected using legal material collection techniques obtained
from libraries, the internet and e- journal that will be analyzed qualitatively
The legal regulation on the security of using electronic wallets as a
transaction medium does not explain what is meant by including authorization
activities, clearing activities and final settlement activities (settlement) giving rise
to multiple interpretations or a blurring of norms. Legal certainty regarding the
security of using electronic wallets as a transaction medium based on Bank
Indonesia Regulation Number 18 of 2016 concerning the Implementation of
Transaction Processing, namely the absence of legal certainty providing protection
to consumers of payment system services aimed at electronic wallet users.
Principles of consumer control consisting of fairness and reliability, transparency,
protection of consumer data and/or information, as well as effective handling and
resolution of complaints.
Keywords: Legal Certainty, Digital Wallet, Consumer Protection
Topic: Law on Business, Business Competition, and Prohibition of Monopoly
