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All Journal Sibatik Journal : Jurnal Ilmiah Bidang Sosial, Ekonomi, Budaya, Teknologi, Dan Pendidikan
Zainal Arifin
Universitas Yapis Papua, Indonesia
Arts Computer Science & IT Economics, Econometrics & Finance Education Social Sciences

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PERLINDUNGAN HUKUM PELAKU USAHA DALAM PERJANJIAN FINTECH PAYLATER BERDASARKAN UNDANG-UNDANG PERLINDUNGAN KONSUMEN Zainal Arifin; Muslim Muslim; Revie Kurnia Katjong; Andi Annisa Nurlia Mamonto; Ahmad Rifai Rahawarin
SIBATIK JOURNAL: Jurnal Ilmiah Bidang Sosial, Ekonomi, Budaya, Teknologi, Dan Pendidikan Vol. 5 No. 7 (2026)
Publisher : Penerbit Lafadz Jaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47353/sibatik.v5i7.5268

Abstract

The financial innovation of Fintech PayLater provides digital transaction convenience but creates a legal imbalance that often harms business actors due to consumers' bad faith. There is a literature gap where current legal protection studies almost exclusively focus on consumer protection, ignoring the vulnerabilities of service providers in the digital ecosystem. This study aims to examine the legal protection for business actors in Fintech PayLater agreements based on Law Number 8 of 1999 concerning Consumer Protection (UUPK) and analyze its dispute resolution mechanisms in the event of a default. The method used is normative legal research with statutory and conceptual approaches. The results show that legal protection for business actors stems from the right to be protected from consumers acting in bad faith, manifested through the pacta sunt servanda principle in electronic contracts (click-wrap agreements) as long as business actors are transparent and comply with the prohibition of standard clauses. As a result, it is concluded that non-litigation dispute resolution through the Alternative Dispute Resolution Institution for the Financial Services Sector (LAPS SJK) is the most effective and efficient mechanism for small-value digital transactions compared to litigation.
Co-Authors Ahmad Rifai Rahawarin Andi Annisa Nurlia Mamonto Muslim Muslim Revie Kurnia Katjong