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All Journal Pembaharuan Hukum Law Development Journal
Rahmat Dwi Putranto
Sekolah Tinggi Ilmu Hukum (STIH) IBLAM
Humanities Law, Crime, Criminology & Criminal Justice

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Legal Analysis of Breach of Default in Paylater Services as Part of Financial Technology Development in Indonesia Anggawira Anggawira; Rahmat Dwi Putranto; Brigita P. Manohara
Law Development Journal Vol 8, No 2 (2026): June 2026
Publisher : Universitas Islam Sultan Agung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30659/ldj.8.2.1119-1131

Abstract

The development of financial technology (fintech) has driven significant changes in people's transaction patterns, one of which is through paylater services that offer easy access to instant financing. However, this convenience also poses legal risks, particularly related to default due to user failure to fulfill payment obligations. This study aims to analyze the application of the default concept in paylater services, the effectiveness of the regulations governing it, and the need for legal adaptation to address the characteristics of digital transactions. The method used is normative legal research with a statutory and conceptual approach, as well as qualitative data analysis. The legal sources used include the Civil Code, Law Number 8 of 1999 concerning Consumer Protection, and Financial Services Authority Regulation Number 10/POJK.05/2022. The results show that the default concept remains relevant, but requires adjustments in its application, particularly in the aspects of electronic evidence and legal responsibility in digital systems. Furthermore, although regulations have established the principles of prudence and consumer protection, implementation challenges remain, such as weak identity verification and oversight.
Legal Analysis of Digital Technology Integration in Legislation Design in Indonesia Rahmat Dwi Putranto; Aisha Mutiara Savitri
Jurnal Pembaharuan Hukum Vol 12, No 3 (2025): Jurnal Pembaharuan Hukum
Publisher : UNISSULA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26532/jph.v12i3.49072

Abstract

The digital revolution in the era of Industry 4.0 has significantly transformed various aspects of social and governmental life, including the process of forming legislation. In Indonesia, this transformation is supported by the implementation of the Electronic-Based Government System (SPBE) and the enactment of Law Number 13 of 2022 as an amendment to Law Number 12 of 2011 on the Formation of Legislation. This study aims to analyze the legal regulation of digital technology integration in the legislative process, examine the implementation of the digital legislation system in Indonesia, and identify the legal and institutional challenges arising from this integration. The research employs a normative legal research method with a descriptive qualitative approach by analyzing primary legal materials, including relevant laws and regulations, as well as secondary legal materials such as legal literature and scholarly works. The results show that Law Number 13 of 2022 provides a strong legal basis for the digitalization of legislative processes and enhances transparency and public participation. However, challenges remain in terms of infrastructure disparities, limited human resources, and system interoperability. Therefore, continuous legal reform and institutional readiness are essential to ensure effective and accountable digital legislation.
Co-Authors Aisha Mutiara Savitri Anggawira Anggawira Brigita P. Manohara