Perlindungan Hukum Terhadap Konsumen Pengguna Transaksi Dengan Sistem Pembayaran Go-Pay

Abstract

The development of technology, information and communication affects Indonesian people in making payment, one among which is using Go-Pay payment system. However, the system does not always work well because it is still prone of problems such as loss of balance during Go-Pay transaction. Legal protection for consumers using Go-Pay payment system is the problem to be discussed in the thesis. The research uses descriptive normative legal method, making use of secondary and primary data as the supporting data with legal approach. The research findings illustrate that consumers in Go-Pay payment system have no legal protection because GO-JEK does not provide compensation as provided for in Article 4 paragraph (8) of the Consumer Protection Law, Article 7 paragraph (6) of the Consumer Protection Law, Article 19 of the Consumer Protection Law, Article 43 of Bank Indonesia Regulation Number 14, item (3) of Go-Pay Terms and Conditions. It is suggested that GO-JEK should provide legal protection to its consumers by complying with regulations and carrying out its obligations to provide compensation.

Urgency of Electronic Wallet Regulation in Indonesia

“…The research was conducted by conducting a case study on the losses of Dana E-wallet users due to non-compliance with the services received from the perspective of consumer protection. 14 Other research has been carried out by Lusi Septiyati and Siti Nurbaiti, who studied legal protection for users of the Go-Pay payment system; 15 and by Muchammad Fahryan Putra and Lucky Dafira Nugroho, who studied PJSP's responsibility for compensating users who lost their balance in an E-wallet, as well as the legal action that E-wallet users can take to get their money back. 16 E-wallets have a positive impact on Indonesia in their implementation, but they will also be a critical issue if specific regulations are not made to address the existing problems.…”

“…14 Other research has been carried out by Lusi Septiyati and Siti Nurbaiti, who studied legal protection for users of the Go-Pay payment system; 15 and by Muchammad Fahryan Putra and Lucky Dafira Nugroho, who studied PJSP's responsibility for compensating users who lost their balance in an E-wallet, as well as the legal action that E-wallet users can take to get their money back. 16 E-wallets have a positive impact on Indonesia in their implementation, but they will also be a critical issue if specific regulations are not made to address the existing problems. Specific E-wallet regulations are required to prevent a legal vacuum and to offer legal protection and clarity to E-wallet users in Indonesia.…”