Perlindungan Hukum Terhadap Pengguna Layanan Pembayaran Berbasis Teknologi di Indonesia

Abstract

In this modern world, technological developments that have penetrated into the world of economics in the financial sector have given birth to new innovations in terms of payment services. Financial technology is not really limited to payment services, more generally it also includes other services related to economic activities. The development of the e-commerce business model also encourages the birth of technology-based payment services created by businesses. Now many of us have met technology-based payment services such as Go-Pay, OVO, DANA, Link Aja, and other payment services. This makes payment service providers not only banks, but institutions other than banks. As is the case with other business concepts, what must be considered besides business actors is protection for their consumers. The purpose of this study is to determine the extent of protection for consumers of technology-based payment services in Indonesia. The results of this study note that Bank Indonesia imposed a mechanism that must be carried out by the payment service provider to be able to carry out the activities of conducting payment transactions with a technology-based payment system. In the activity of providing payment system services, the organizer is required to apply the principle of consumer protection in accordance with applicable laws and regulations.