<![CDATA[This study aims to analyze the validity of electronic contracts in Shopee Paylater services and the challenges of consumer legal protection. Electronic contracts are legally valid, but there are still weaknesses in standard clauses and consumer protection. This study provides a new perspective on the need to reformulate standard contract regulations in the fintech sector. This method focuses on analyzing legislation, legal doctrines, and related legal literature as primary and secondary legal materials. The results of research on the legal aspects of electronic contracts in financial technology (fintech) peer-to-peer lending, Shopee PayLater, show that the electronic contracts used by Shopee PayLater are valid and have legal force in accordance with Law Number 11 of 2008 concerning Electronic Information and Transactions (ITE Law), which was amended by Law Number 19 of 2016. The Shopee PayLater electronic contract is legally compliant with the provisions of the Civil Code (KUHPerdata), specifically Articles 1313 and 1320, which regulate the validity of an agreement, including the existence of an agreement between the parties, legal competence, a clear object, and a lawful cause.]]>
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