Legal Protection for Digital Wallet Users Regarding Transactions Without Verification
Keywords:
Bank Indonesia, Digital Wallet, TransactionsAbstract
This research aims to analyze the legal protection available to digital wallet users who experience
balance reductions due to unverified transactions and to examine Bank Indonesia’s supervision of
digital wallet services. This research employs an empirical legal approach using both primary and
secondary data. The data collected were then processed and analyzed descriptively and qualitatively to
draw conclusions and provide recommendations for addressing the identified issues. The research shows
that legal protection for digital wallet users who experience balance reductions due to unverified
transactions is regulated under Article 4 letter h of the Consumer Protection Act, Article 48 letters i and
j of PBI 3/2023, Article 177 letter c of PBI 23/6/PBI/2021, and Article 32 of PADG 20/2023. Affected
users may file complaints with Bank Indonesia under Article 52 of PBI 3/2023, which will be addressed
through education, consultation, and facilitation. Bank Indonesia's supervision is carried out through
both direct and indirect methods, including the evaluation of reports, self-assessments, documents, and
periodic or ad hoc inspections to ensure that service providers implement consumer protection
principles in all business activities.
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Undang-Undang Nomor 8 Tahun 1999 tentang Perlindungan Konsumen
Undang-Undang Nomor 4 Tahun 2023 tentang Pengembangan dan Penguatan Sektor Keuangan
Burgerlijk Wetboek (BW)
Peraturan Bank Indonesia Nomor 20/6/PBI/2018 tentang Uang Elektronik
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