<![CDATA[This study examines the effectiveness of consumer legal protection in QRIS transactions in Indonesia through the integration of Law Number 11 of 2008 on Electronic Information and Transactions (UU ITE), as last amended by Law Number 1 of 2024, and Law Number 8 of 1999 on Consumer Protection (UUPK). The background highlights the surge in digital fraud particularly fake refund links, manipulated payment information, and mismatch between goods and descriptions—amid low digital literacy and suboptimal consumer protection mechanisms. Employing a normative juridical approach with qualitative library research, the study analyzes primary legal materials (UU ITE, UUPK, and their amendments) and secondary sources. The findings demonstrate that the two laws complement each other: UU ITE provides technical safeguards such as the validity of electronic evidence and personal data protection, while UUPK guarantees consumers’ rights to accurate information and applies the principle of strict liability. QRIS platforms bear civil, administrative, and criminal liabilities, including the obligation to compensate without proving fault, as well as criminal sanctions of up to 6 years imprisonment and/or a fine of Rp1,000,000,000 under Article 45A of the amended UU ITE. The study concludes that although the existing legal framework is sufficiently adequate, it requires better harmonization, regulatory updates, enhanced digital literacy programs, and stronger dispute resolution mechanisms to foster a safer and more equitable QRIS transaction ecosystem for consumers.]]>
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