Claim Missing Document
Check
Articles

Found 1 Documents
Search
Journal : Unes Law Review

Reconstuction of Legal Protection Regulation for Service Customers of Payment System in Indonesia Saryo, Saryo; Uwiyono, A.; Nurbaiti, Siti
UNES Law Review Vol. 6 No. 2 (2023)
Publisher : Universitas Ekasakti

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31933/unesrev.v6i2.1358

Abstract

This dissertation conducted under the title “Reconstruction of Legal Protection Regulation for Service Customers of Payment System in Indonesia was based on the need for a strong legal basis concerning consumer protection of payment system since the existing legal regulation construction. In addition, its implementation is deemed in need of adjustment with the increasing development of product and service of the national payment system which is encouraged by the technological advancement that promote tons of innovation so it may increase the risk for the consumers. The present study was aimed at analyzing and describing three problems related to the construction of legal protection regulation for consumers of payment system services in Indonesia, the implementation of legal protection for the payment system service consumers, and the reconstruction of legal protection regulation for payment system service customers in Indonesia in the future. The theoretical basis employed was the theory of equality, legal certainty, and legal protection. The methodology used was normative with law approach, conceptual and comparison, and descriptive approach obtained from secondary data supported with the primary data which were analyzed qualitatively using deductive conclusion-making. The research result revealed that the construction of legal protection for customers of payment system services regulated in the Peraturan Bank Indonesia (PBI) Number 22/20/PBI/2020 concerning Legal Protection for Bank Indonesia Consumers was still considered low so it needed an adjustment. The implementation of consumer protection of payment system service including consumer complaint handling provided by the Payment Service Provider by Bank Indonesia was deemed in need of improvement or reconstruction in order to be able to give legal certainty to the customers. The reconstruction of PBI was conducted by adjusting and adding some articles including indemnity, personal data protection, establishment of an Alternative Payment System Dispute Resolution Institution, cyber risk, new product testing, and action mechanisms against unlicensed Payment Service Providers. The researcher in this study suggested the formation of new laws regulating the payment system in which consumer protection of the payment system should be regulated by referring to the comparison with other countries that have certain Laws concerning the payment system. The formation of laws will strengthen the legal basis in the activity of the national payment system as well as give legal certainty to the consumers and business practitioners in the payment system service.
Co-Authors A. Suwiyono Abdillah, Nabila Abdurrani Muin Achmad Fazrin Adam Adam Agustian, Hamdan Ahmad Budiyono, Ahmad Akbar, Alifya Aldama, Ardita Aldiyansah, Rindi Alhafisht Amdila, Reyhan Amelia, Cici Amriyati Amriyati Amriyati Amriyati Ananda Okta Putra Annisa Riana Putri Any Kurniawati, Any Ardiaulya, Vidola Arfi Azhari Arief Pratomo, Arief Artha, Willy ASHRI, RIZKI HALLIFAH Atika, Nur Aulia Saphira Aini Ayu My Lestari Saragih Azzulfa, Syarifah Chriesty Angeline Clara . Clarita Monica Cynthia Aghata Belinda Alma Della Amalia Silawane Dia, Susi Sulian DIAH RACHMAWATI Dian Kartika Dita, Rokiya Dominique Ellen Elanesi Esvandhiary, Faradilla Fahrizal, M Falmi Yandri Farah Airitsa Hermawan Fauziah, Silfiah Febrizka Taufani Gabriella Evanggelista Galadri Badar Muhammad Ghifara, Zilfa Gultom, Elfrida Ratnawati HADIYANI, SUSAN Hamid, Abd. Haris Handayani, Astutik Handayani, Dwi Retno Hasian Doli Hendra, Joni Herawati, Aliyah Januarni, Wisa Jayu, Prastiwi Jeleandra, T. Muhammad Jeriyan, Jeriyan Jessica Francis Gunawan Jonathan Mangantar Octaviano Putra Julianis, Erva Juwita, Dessi Kautsar Alwi Pradipta Kezia Natalia Christy Khotimah, Ulfa Khusnul Khusnul Khitam Krisdian Dewi Layola Nainggolan, Fraya Lina Herlina Lisa Sari, Lilis Lusi Septiyati M. Zulhilmi Hafiz Majidah, Salma Nur MANDAKU, EKBERTH Maria Ulfa Hidayatulloh Ulfa Hidayatulloh Masri Rumita Mhd Aidil Al Khusaini Milasari, Asri Fajar Muhamad Aji Purwanto Nabila Sesha Abdillah Nabila, Nihayatun Nengsih, Rahayu Agustiana Neni Hermita Nilamsari, Elvian Indah Nindya Ayu Rahmadita Notoprayitno, Maya Indrasti Noviana Annisa Novita Rahman, Fauzya Ns. Dwi Retno Handayani Nugroho Edi Kartijono Nurdewi Sulymbona NURUL KHOTIMAH Odien Rosidin PARIDA, UPI Permanasari, Arlina Piere Marquez Vandante Putra, Sidiq Permana Putri, Ayu Manca Putri, Gina Sukma Rafdy Rashad Abimanyu Rahmattullah, Rahmattullah Ramadhan, Kurnia Ramadhan, Nursyahrani Tiara Ramadhani, Widya Ayu Ramahdania, Shabira Luna Raziman, M. Reviana, Riska Rifqa Gusmida Syahrun Barokah Rika Anggraini Rima Vegi Santika Sabrina Hayati Safitri, Raja Samuel Samuel Sapto Hudoyo, Ahmad SAPUTRA, DEBI Saragih, Ayu My Lestari Sari, Shinta Aulia Sartika, Ikah Saryo, Saryo Sativa, Oriza Sicilia, Asha Grace Silaban, Merri Sinaga, Indon Siti Mayang Sari SOFIAH KS, SOFIAH KS Stefani Erlina Halim Sunarti, Ilis Suyitno, Edi SYAEFUDIN, ADIN Syarifah, Muhimmatus Tanjung, Lutfiyanah Tanto Tanto Tasya Rani, Diana Titin Sumarni Tryas Risanggono Uwiyono, A. Valois, Yoana Thersia Listoravina Vanny Aryanti WAHYUDI, HARUN WARDHANI, PRATIWI CAHYA Welly Wihayati, Welly Wibowo, Wiko Arif Widianarti, Tantry Wijaya, Geraldo Valento Yakub Yeni Suryani Yulia A. Hasan Yulia Susanti, Yulia Zidane Gideon Fransiskus