Skip to main navigation menu Skip to main content Skip to site footer

Articles

Vol. 8 No. 2 (2024): Unram Law Review(ULREV)

Legal Protection of Consumers from Personal Data Security Risks, Threats of Fraud and Phishing (Cybercrime) in E-Wallet Payment Systems

DOI
https://doi.org/10.29303/ulrev.v8i2.354
Submitted
June 13, 2024
Published
2024-10-30

Abstract

In the era of financial technology, e-wallets have become a popular payment tool among e-commerce users aged 19-45. However, e-wallets face security issues, such as breach cases that harm users. Regulations such as PBI Number 20/6/PBI/2018 and POJK No. 6/POJK.07/2022 require organizers to ensure security and consumer protection, but their implementation is still in doubt. The purpose of this study is to analyze the legal protection of consumers from the risk of personal data security, the threat of fraud, and circumvention (cybercrime) in the e-wallet payment system. The method used in this research is normative research. Based on the principle of legality, cybercrimes such as data theft have violated the ITE Law, therefore a person's personal data must be protected according to the Ministry of Communication and Information and Bank Indonesia Regulations. According to Philipus M. Hadjon's theory of legal protection to overcome legal problems such as data theft on e-wallets, preventive and repressive measures are needed.

References

  1. Aswandi, Ririn, Putri Rofifah Nabilah Muchsin, and Muhammad Sultan. "Protection of Data and Personal Information Through the Indonesian Data Protection System (IDPS." LEGISTALTIF, no. 14 (2018): 63–65.
  2. Benuf, Kornelius, Siti Mahmudah, and Ery Agus Priyono. "Legal Protection for Financial Technology Consumer Data Security in Indonesia." Legal Reflections: Journal of Legal Studies (2019).
  3. Bodhi, Surya, and David Tan. "Security of Personal Data in the E-Wallet Payment System Against the Threat of Fraud and Phishing (CYBERCRIME)." UNES Law Review (2022).
  4. Candrawati, Ni Nyoman Anita. "Legal Protection for E-Money Card Holders as a Means of Payment in Commercial Transactions." Udayana Master of Law Journal (2014).
  5. David Tan. "Legal Research Methods: Exploring and Reviewing Methodology in Carrying Out Legal Research." NUSANTARA: Journal of Social Sciences (2021).
  6. Devita, Vivin Dian. “Local E-Wallets Still Dominate Q2 2019-2020.” IPRICE. Last modified 2020. Accessed March 12, 2024. https://iprice.co.id/trend/insights/top-e-wallet-di-indonesia-2020/.
  7. Eri Susanti, Ni Desak Made, Ida Bagus Putra Atmadja, and AA Sagung Wiratni Darmadi. "Legal Protection for Owners of E-Money Issued by Banks in Non-Cash Transactions." Kertha Semaya: Journal of Legal Studies (2019).
  8. Fadila, Shifa Nur, and Yudho Winarto. "There are rampant cases of hacking into DANA's digital wallet, here's DANA's response." Kontan.Co.Id. Last modified 2023. https://keuangan.kontan.co.id/news/marak-kas-pembobolan-pada-dompet-digital-dana-begini-tunjungan-dana.
  9. Gulo, Ardi Saputra, Sahuri Lasmadi, and Khabib Nawawi. "Cyber Crime in the Form of Phishing Based on the Information and Electronic Transactions Law." PAMPAS: Journal of Criminal Law (2021).
  10. Jonandi Effendi, Juhnny Ibrahim. “Legal Research Methods: Normative And Empirical.” Depok : Prenandamedia Group (2018).
  11. Kesuma, AA Ngurah Deddy Hendra, I Nyoman Putu Budiartha, and Puru Ayu Sriasih Wesna. "Legal Protection for the Security of Financial Technology Consumers' Personal Data in Electronic Transactions." Journal of Legal Preferences (2021).
  12. Kominfo. “What Should You Do If You Become a Victim of Online Fraud? This is the Communication and Information Solution." Kominfo.Go.Id.
  13. Malia, Indiana. “Aura Kasih's balance lost IDR 11 million, important! Check BI Rules Regarding E-Wallets." IDN Times. Last modified 2019. Accessed March 24, 2024. https://www.idntimes.com/business/economy/indianamalia/saldo-aura-kasih-raib-rp11-juta-cepat-cek-aturan-bi-soal-e- wallets.
  14. Manurung, Elsa Debora, Lastuti Abu Bakar, and Tri Handayani. "Legal Certainty in Providing Electronic Wallet Services in the Payment System is Linked to the Principles of Smooth, Safe, Efficient and Reliable Based on PBI Number 20/6/PBI/2018 Concerning Electronic Money." Journal of Jurisprudence (2020).
  15. Michell, Cecilia, Charys Naomi Winarto, Liliyanti Bestari, Dimas Ramdhan, and Andry Chowanda. "Systematic Literature Review of E-Wallet: The Technology and Its Regulations in Indonesia." In 2022 International Conference on Information Technology Systems and Innovation, ICITSI 2022 - Proceedings, 2022.
  16. Muhammad Taufik Hidayat, Qurrotul Aini, and Elvi Fetrina. “E-Wallet User Acceptance Using UTAUT 2 (Case Study).” National Journal of Electrical Engineering and Information Technology (2020).
  17. Octora, Rahel, P. Lindawaty S. Sewu, and Jason Arnold Sugiono. “Regulation on Electronic System Security for E-Wallets in Order to Protect Consumers from Financial Loss Due to Cyber Fraud Based on Indonesian Law.” International Journal of Social Science And Human Research 04, no. 09 (2021): 2272–2279.
  18. Putra, Muchammad Fahryan, and Lucky Dafira Nugroho. "Legal Protection of Electronic Wallet Users for the Loss of Electronic Money." PROHUTEK Proceedings of the National Seminar on Law and Technology (2020).
  19. Ranto, Roberto. "Judicial Review of Legal Protection for Consumers in Buying and Selling Transactions via Electronic Media." Journal of Legal Studies: ALETHEA (2019).
  20. Raodia, Raodia. "The Influence of Technological Developments on the Occurrence of Cybercrime." Jurisprudentie: Department of Legal Studies, Faculty of Sharia and Law (2019).
  21. Roland Fran Vernando, Diana Frederica, Christy Theodora, Victor Saputera Harefa, Sherly Sherly, and Cynthia Theodora. "Level of Effectiveness of Regulations and Security Systems in Reducing E-Wallet User Anxiety." Buana Accounting Journal (2022).
  22. Sitorus, Richo Fernando and Eny Sulistyawati. “Legal Protection for Electronic Money Card Holders When Lost.” Novum : Law Journal (2018).
  23. Law Number 19 of 2016. Amendments to Law Number 11 of 2008 concerning Information and Electronic Transactions. Jakarta, nd