Leges Privatae
Vol. 2 No. 5 (2026): FEBRUARY-JOY

Civil Legal Protection for Victims of Default in Digital Financial Services

Arianti, Fitri (Unknown)



Article Info

Publish Date
28 Feb 2026

Abstract

The development of the digital economy in Indonesia has transformed the legal relationship between businesses and consumers, particularly through marketplace platforms that facilitate electronic transactions. This transformation raises legal issues related to the limits of digital platforms' civil liability for consumer losses, particularly given the unclear norms regarding intermediary liability and the basis for claims for breach of contract or unlawful acts. This study aims to analyze the normative foundations of consumer protection in digital transactions and reconstruct the concept of platform civil liability to ensure legal certainty and justice. The research method used is normative legal research with a statutory, conceptual, and analytical approach (analytical and prescriptive approach). Primary and secondary legal materials are analyzed qualitatively using systematic and teleological interpretation techniques to identify unclear norms and formulate normative prescriptions relevant to the dynamics of the digital economy. The results indicate that the Safe Harbor Policy approach is no longer adequate to protect consumers, necessitating the repositioning of platforms as active legal subjects by applying strict liability, vicarious liability, and joint liability models. Reformulating norms through revisions to digital-based consumer protection regulations, integrating personal data protection principles, and strengthening due diligence and transparency obligations in electronic contracts are strategic steps in creating legal certainty that is both adaptive and equitable.

Copyrights © 2026






Journal Info

Abbrev

JOY

Publisher

Subject

Law, Crime, Criminology & Criminal Justice

Description

This journal publishes original articles on current issues and international trends in the field of civil law, notary public, business law. The purpose of publishing this Journal is to provide a space to publish critical thinking on original research results, as well as conceptual ideas from ...