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All Journal Qonun Jurnal Hukum Islam dan Perundang-Undangan Syura: Journal of Law
Sacramed, Michael T.
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Religion Humanities Law, Crime, Criminology & Criminal Justice

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Reassessing Online Dispute Resolution Frameworks in Indonesia, Malaysia, and the Philippines Tantimin, Tantimin; Sacramed, Michael T.; Jaya, Febri; Tan, David; Silviani, Ninne Zahara
QONUN: Jurnal Hukum Islam dan Perundang-undangan Vol 10 No 1 (2026)
Publisher : FASYA Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21093/qj.v10i1.12705

Abstract

This study examines the legal vacuum surrounding cross-platform online dispute resolution (ODR) within Southeast Asian online marketplace ecosystems, particularly where disputes arise from transactions involving integrated third-party services. The objective of this research is to assess the adequacy and consistency of legal frameworks in Indonesia, Malaysia, and the Philippines in accommodating cross-platform ODR. This study employs the doctrinal legal research method and the comparative approach for a deep dive statutory analysis and descriptive examination of primary legal sources across different legal systems. The findings demonstrate that while all three jurisdictions recognize electronic transactions and alternative dispute resolution in principle, none provides comprehensive regulation for cross-platform ODR. Indonesia explicitly acknowledges ODR in its e-commerce regulation but exhibits normative disharmony with its ADR framework. Malaysia’s arbitration and mediation regimes remain structurally unsuitable for low-value, high-volume marketplace disputes. The Philippines introduces a centralized ODR mechanism yet fails to address liability allocation in integrated multi-platform transactions. The legal vacuum identified necessitates an integrated ODR framework capable of ensuring procedural coherence, data coordination, and enforceability. Findings of this study contribute to the effort to understand the implications dispute resolutions in today’s digital economy by highlighting practical implications for scholars and policymakers alike.
Regulatory Gaps in Data Protection and Proportionality in Digital Banking: Legal Issues in ASEAN Agustianto, Agustianto; Sacramed, Michael T.; Fitri, Winda; Weley, Nadia Carolina; Disemadi, Hari Sutra
Syura: Journal of Law Vol. 4 No. 1 (2026)
Publisher : Sekolah Tinggi Agama Islam (STAI) Darul Ulum Banyuanyar Pamekasan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58223/syura.v4i1.811

Abstract

This study examines the legal gaps in regulating data proportionality in ASEAN digital banking, particularly in Indonesia, the Philippines, and Malaysia. The main legal issue lies in the absence of clear standards governing the limitation, justification, and classification of personal data, which leads to excessive and potentially invasive data processing practices in digital banking systems. This research aims to examine the concept of data proportionality in digital banking and to assess the adequacy of legal frameworks governing data proportionality in Indonesia, the Philippines, and Malaysia in order to identify existing regulatory gaps. This study employs a normative legal research method with a comparative approach. The findings reveal that although all three countries have established data protection frameworks, none comprehensively integrate data proportionality into digital banking regulations, resulting in fragmented and ineffective legal protection. Indonesia lacks detailed standards and risk-based mechanisms, while the Philippines and Malaysia show regulatory gaps in governing conventional digital banking services. These weaknesses contribute to increased risks of privacy violations and legal uncertainty. Therefore, this study suggests the need for regulatory reform, including clearer data classification, proportionality standards, and mandatory risk assessments, to ensure a balance between digital banking innovation and the protection of consumer privacy rights.
Co-Authors Agustianto Agustianto, Agustianto Disemadi, Hari Sutra Fitri, Winda Jaya, Febri Silviani, Ninne Zahara Tan, David Tantimin, Tantimin Weley, Nadia Carolina