<![CDATA[The development of e-wallets has facilitated public transactions, but it also creates legal issues when users lose balances or experience unauthorized transactions. This article analyzes the protection of e-wallet balances and the legal liability of service providers under Law Number 8 of 1999 on Consumer Protection and Bank Indonesia payment system regulations. This study applies normative juridical research with statutory and conceptual approaches. The findings show that e-wallet users are consumers entitled to security, accurate information, complaint handling, and compensation. E-wallet providers are business actors and payment service providers that must ensure system security, information transparency, data protection, and financial loss recovery mechanisms. If the balance loss is not caused by user fault or negligence, providers must conduct accountable investigations and restore the balance or provide equivalent compensation. Standard clauses transferring all risks to users are unacceptable when they eliminate provider liability.]]>
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