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All Journal Unram Law Review JURNAL PENDIDIKAN TAMBUSAI
Lorentzon, Elmend
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Law, Crime, Criminology & Criminal Justice Social Sciences

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Legal Protection of Consumers from Personal Data Security Risks, Threats of Fraud and Phishing (Cybercrime) in E-Wallet Payment Systems Prayuti, Yuyut; Lany, Arman; Marpaung, Yohan Edward; Lorentzon, Elmend
Unram Law Review Vol 8 No 2 (2024): Unram Law Review(ULREV)
Publisher : Faculty of Law, University of Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29303/ulrev.v8i2.354

Abstract

In the era of financial technology, e-wallets have become a popular payment tool among e-commerce users aged 19-45. However, e-wallets face security issues, such as breach cases that harm users. Regulations such as PBI Number 20/6/PBI/2018 and POJK No. 6/POJK.07/2022 require organizers to ensure security and consumer protection, but their implementation is still in doubt. The purpose of this study is to analyze the legal protection of consumers from the risk of personal data security, the threat of fraud, and circumvention (cybercrime) in the e-wallet payment system. The method used in this research is normative research. Based on the principle of legality, cybercrimes such as data theft have violated the ITE Law, therefore a person's personal data must be protected according to the Ministry of Communication and Information and Bank Indonesia Regulations. According to Philipus M. Hadjon's theory of legal protection to overcome legal problems such as data theft on e-wallets, preventive and repressive measures are needed.
Eksistensi Badan Arbitrase Nasional Indonesia (BANI) sebagai Alternatif Penyelesaian Sengketa Hutang Piutang Sujana, I Kadek Eka; Sari, Novi Eka; Lorentzon, Elmend; Juliantary, Sella Romika; Satrio, Andri Putro; Anggraeni, Happy Yulia
Jurnal Pendidikan Tambusai Vol. 9 No. 1 (2025)
Publisher : LPPM Universitas Pahlawan Tuanku Tambusai, Riau, Indonesia

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Abstract

Badan Arbitrase Nasional Indonesia (BANI) telah menjadi alternatif utama dalam penyelesaian sengketa hutang piutang di Indonesia. Penelitian ini bertujuan untuk menganalisis eksistensi BANI sebagai lembaga alternatif yang efektif dan terpercaya dalam menangani sengketa tersebut. Dalam penelitian ini, pendekatan yuridis normatif digunakan untuk menggali dasar hukum dan prinsip-prinsip yang mendukung keberadaan BANI sebagai lembaga penyelesaian sengketa. Berdasarkan studi literatur dan wawancara dengan praktisi hukum, hasil penelitian menunjukkan bahwa BANI menawarkan solusi yang cepat, efisien, dan adil dalam penyelesaian sengketa hutang piutang. Meskipun memiliki kelebihan seperti kerahasiaan proses, fleksibilitas, dan efisiensi biaya, BANI juga dihadapkan pada tantangan seperti tingginya biaya arbitrase, rendahnya kesadaran masyarakat terhadap mekanisme arbitrase, serta eksekusi putusan yang belum sepenuhnya efektif. Kesimpulan dari penelitian ini menggarisbawahi perlunya pengembangan skema biaya yang lebih terjangkau, sosialisasi yang lebih luas, dan kolaborasi internasional guna memperkuat posisi BANI di tingkat nasional dan global.
Co-Authors Arman Lany, Arman Juliantary, Sella Romika Marpaung, Yohan Edward Prayuti, Yuyut Sari, Novi Eka Satrio, Andri Putro Sujana, I Kadek Eka