Analisis Perlindungan Hukum Bagi Konsumen pada Transaksi Pembayaran Nontunai Berbasis QRIS (Quick Response Code Indonesian Standard)

Abstract

QRIS (Quick Response Code Indonesian Standard) is the National QR code standard used to provide payments through QR codes in Indonesia with the aim of making domestic payment transactions through QR codes faster, easier, and safer. The implementation of QRIS is primarily guided by the Governor's Board Member Regulation (PADG) Number 21/18/PADG/2019 on the Implementation of the National Quick Response Code Standard. Nevertheless, the implementation of QRIS is not without obstacles, hindrances, and threats of sabotage crimes that can harm the community. The problem formulation in this thesis is as follows: What is the mechanism of using transactions with QRIS; What is the legal relationship between consumers using QRIS and sellers and related parties in QRIS transactions; How is legal protection for consumers in non-cash transactions based on QRIS. The type of research used in the writing of this thesis is normative juridical research using primary and secondary data, namely with a statutory approach and a conceptual approach. The data collection techniques in this thesis writing use library research and field research, and the data are processed and analyzed qualitatively. The results of this research indicate that the Regulation of the Board of Governors of Bank Indonesia Number 21/18/PADG/2019 on the Implementation of the National Standard Quick Response Code for Payments has included implementation mechanisms up to legal protection for parties involved in QRIS. Issues that arise regarding the implementation of QRIS include fraud, lack of public understanding of QRIS, and cybercrime. To protect consumer rights, there is legal protection in the form of preventive legal protection and repressive legal protection. Preventive legal protection includes direct supervision by Bank Indonesia and socialization of QRIS usage to the public. Repressive legal protection is regulated in applicable laws and regulations such as PADG 2019, the ITE Law, the Consumer Protection Law, and the PBI on Electronic Money, which impose sanctions for any violations of QRIS usage. Additionally, there is a mechanism for resolving QRIS disputes, both through litigation and non-litigation channels.