QRIS and Digital Consumer Protection: A Forensic Legal Study of the Risks of Data Misuse and Electronic Disputes
Keywords:
QRIS, Payment efficiency, Banking law, Consumer protectionAbstract
This study examines the role of the Quick Response Code Indonesian Standard (QRIS) in enhancing payment efficiency from the perspective of Indonesian banking law, and identifies the forms of legal protection available to consumers in cases of transaction disputes involving QRIS. Employing a normative research method, the study draws on primary, secondary, and tertiary legal sources, collected through literature review and analyzed prescriptively using frameworks from banking law and consumer protection law. Its novelty lies in a juridical analysis that integrates regulatory aspects with their practical impacts on payment system efficiency and consumer protection. The findings reveal that QRIS is supported by a robust, multi-layered juridical foundation under Indonesian banking law, promoting payment efficiency. Consumer legal protection in transaction disputes is provided through both preventive and repressive measures. The study offers recommendations, including for Bank Indonesia and the Financial Services Authority (OJK) to harmonize QRIS regulations for stronger consumer safeguards, and for the government to bolster digital infrastructure in remote areas to foster equitable national financial digitalization.
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