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Journal : jle

Legal Protection Analysis of Personal Data Breaches in Shopee Paylater Consumer Loan Transactions Noviyanti, Dewi; Yuniwati; Suratno
Journal of Law and Economics Vol. 4 No. 1 (2025): MAY
Publisher : Yayasan Kawanad

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56347/jle.v4i1.240

Abstract

The widespread use of personal information in pay-later-based loan applications services reflects the vulnerability of digital security systems implemented by technology companies in Indonesia. Recently, several Shopee users reported being victims of such cases, claiming they never activated the paylater feature, yet their bank loan applications were declined due to poor credit records linked to SPayLater usage. While services like Shopee's SPayLater offer convenience, they also increase the risks of default and data breaches. Incidents such as improper debt collection practices and unauthorized access to ShopeePay balance reveal flaws in the platform's data protection and security measures. This underscores the need for in-depth research to strengthen legal safeguards for consumer personal data in Shopee's digital transactions. Findings indicate that SPayLater, as the data controller, holds the responsibility to collect, process, and protect consumer information throughout its lifecycle. Nevertheless, Shopee is perceived to have fallen short in fulfilling this duty, resulting in consumers suffering losses from unauthorized use of their data for loan applications. This situation highlights the urgency for more robust legal protections—both internally and externally to guarantee the protection of users' personal information. This research uses a normative legal research type with a descriptive research type. The problem approach uses a statutory approach with a case approach.
Co-Authors Ady Kurnia Munggaran Ali Idrus Ali Sunarso Alifia, Difa Amalia, Via Amandus, Hieronimus ARI KURNIAWAN Bea Hana Siswati Besti Lilyana, Besti Bevo Wahono Cahyo Hasanudin Dari, Tri Ulan Darmansyah Dewi Noviyanti Dinda Anna Zatika Dwi Novrianda Dwi Susanti Edy Supriyadi EKAWARNA Elan Artono Nurdin Elviana Nur Salsabilla Eriyani Etty Merwati, Endang Ezer Sinaga, Frin Eben Farida Kohar Farida Nugrahani FATIMATUZZAHRO Fauziah, Jihan Ratna Gunawan Santoso Hasan, M. Ubaidillah Hikmah Buroidah I Ketut Mahardika Ida Zulaeha Idah Ariyaini Ifhan, Doni Al Inah Isti Naroh Jepri Parningotan Sianturi, Jepri JMV Mulyadi JMV, Mulyadi Kamalia Fitri Kohar, Farida Kurnianto, Fahmi Arif Kusnadi, Aan Kusuma, Nadya Erita Kusumawati Shindi Nur Rahmawati Latifa Putri Ridhaningtyas Mashuril Anwar Maulidiastuti, Tri Mayasari Muazza Muhamad Khoirul Anwar Muhamad Khoirul Anwar, Muhamad Khoirul MUHAMMAD ALI Muhammad Yusuf MUHAMMAD YUSUF MULYADI Mushlihurrohman, Na'im Nadia Nana Mardiana Nanik Nurhayati Nasution, Faisal Umri Ningsih, Santy Rahayu Nisyaa, Fithrotin Nurfadillah Nurul Wahidah Papat Adhitama , Panji Parningotan Sianturi, Jepri Parti, I Ketut Putra, Dedi Fazriansyah Putri Zahra Afiifah Rachmad Rahayu Pristiwati Rahma, Annisa Luthfia Rasmini, Ni Wayan Rianti, Rima RIZKI PUTRI WARDANI Robby Nikolus Roby Cahyadi Rosmiati Sailendra Santi Pratiwi Tri Utami Sari, Dini Wulan Setiani, Hasnah Siswanto Slamet Haryadi Solly Aryza SRI ASTUTIK Suardi Suci Pratiwi Sugiono, Muhamad Sunarsih, Eka Supriyanto Supriyono, Areni Yulitawati Surtini Susilo Tri Widodo, Susilo Tri Syaifur Rijal Syam, Ardiansyah Syifaul Uyun Vetty Priscilla Wisnu Subroto Yantoro Yuningsih, Riana Yuniwati Zuliyanti, Zuliyanti