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All Journal Journal of Law, Poliitic and Humanities
Suherman Suherman
Universitas Pembangunan Nasional Veteran, Jakarta. Indonesia
Humanities Law, Crime, Criminology & Criminal Justice Social Sciences

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Legal Liability for Loss of E-Wallet User Balances in Indonesia Zulfan Rizqi Wibowo; Suherman Suherman
Journal of Law, Politic and Humanities Vol. 6 No. 4 (2026): (JLPH) Journal of Law, Politic and Humanities
Publisher : Dinasti Research

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.38035/jlph.v6i4.3332

Abstract

The development of e-wallets has facilitated public transactions, but it also creates legal issues when users lose balances or experience unauthorized transactions. This article analyzes the protection of e-wallet balances and the legal liability of service providers under Law Number 8 of 1999 on Consumer Protection and Bank Indonesia payment system regulations. This study applies normative juridical research with statutory and conceptual approaches. The findings show that e-wallet users are consumers entitled to security, accurate information, complaint handling, and compensation. E-wallet providers are business actors and payment service providers that must ensure system security, information transparency, data protection, and financial loss recovery mechanisms. If the balance loss is not caused by user fault or negligence, providers must conduct accountable investigations and restore the balance or provide equivalent compensation. Standard clauses transferring all risks to users are unacceptable when they eliminate provider liability.
Co-Authors Zulfan Rizqi Wibowo