Pelindungan Hukum bagi Pengguna Uang Elektronik dalam Sistem Pembayaran Digital

Artha, Vera Yunita (2020) Pelindungan Hukum bagi Pengguna Uang Elektronik dalam Sistem Pembayaran Digital. S1 thesis, Universitas Kristen Indonesia.

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Abstract

Di era globalisasi dewasa ini perkembangan ilmu dan teknologi maju dengan pesatnya. Hal ini juga terjadi di dalam sistem perbankan Indonesia dimana pada salah satu produk perbankannya telah menghadirkan uang elektronik (Electronic Money) sebagai alat pembayaran. Hal tersebut telah diatur dalam Peraturan Bank Indonesia Nomor 20/6/PBI/2018 tentang Perubahan Atas Peraturan Bank Indonesia Nomor 11/12/PBI/2009 tentang Uang Elektronik (Electronic Money). Namun kehadiran uang elektronik ternyata masih perlu dikaji khususnya pada aspek perlindungan hukum terhadap pengguna uang elektronik selaku konsumen. Dalam penulisan skripsi ini penulis mengangkat permasalahan terkait bagaimana perlindungan hukum terhadap pengguna uang elektronik dalam praktik teknologi finansial dan bagaimana pengaturan sistem uang elektronik dalam pembayaran digital di Indonesia dan secara Internasional. Melalui metode studi hukum normatif dengan pendekatan yuridis dan mempergunakan bahan hukum sekunder penulis menjawab permasalahan tersebut sehingga mampu memberikan pengetahuan secara umum kepada pembaca dan khususnya bagi penulis. Berdasarkan hasil penelitian diperoleh kesimpulan yaitu perlindungan hukum bagi pengguna uang elektronik dapat dilakukan melalui upaya preventif dan upaya represif, dan terdapat beberapa peraturan yang mengatur sistem uang elektronik baik secara perundangan nasional maupun internasional. / In this era of globalization, the development of science and technology is advancing rapidly. This also happens in the Indonesian banking system where one of the banking products has presented electronic money (Electronic Money) to be used as a payment system. This has been regulated in Bank Indonesia Regulation Number 20/6/PBI/2018 about Amendments to Bank Indonesia Regulation Number 11/12/PBI/2009 concerning Electronic Money. But, the presence of electronic money still needs to be studied. Especially in the aspect of legal protection for users of electronic money as consumers. In this thesis, the writer raises the issue related to the legal protection of electronic money users in the practice of financial technology and how to regulate the electronic money system in digital payments in Indonesia and internationally. Through the method of normative legal studies with a juridical approach and using secondary legal materials, the author answer these problems so as to be able to provide general knowledge to readers and especially to writers. Based on the results of the study, the author concluded that legal protection for users of electronic money can be done through preventive and repressive efforts, and there are several regulations governing the electronic money system both nationally and internationally.

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