PERLINDUNGAN HUKUM BAGI KONSUMEN PENGGUNA SISTEM PEMBAYARAN MOBILE BANKING DALAM BERTRANSAKSI MELALUI E-COMMERCE - Meliandriani, Komang; Rudy, Dewa Gde (Kertha Desa; Vol 10 No 2 (2022), 2022)
Tujuan kajian guna mengetahui hal-hal mengenai ketentuan hukum untuk melindungi pengguna prosedur pembayaran m-banking saat bertransaksi melalui e-commerce serta penyelesaian yang dapat ditempuh apabila terdapat sengketa dalam pelaksanaannya sebagaimana pengaturan hukum yang sah di Indonesia. Kajian ini ditulis berdasarkan teknik metode penulisan yuridis normatif, melalui pendekatan peraturan perundang-undangan serta pendekatan konseptual. Hasil analisis menerangkan bahwa perlindungan hukum bagi konsumen pengguna sistem pembayaran m-banking melalui e-commerce dapat ditemukan pada ketentuan Undang-Undang No. 8 tahun 1999 tentang Perlindungan Konsumen , Undang-Undang No . 19 t ahun 2016 t entang Perubahan a tas Undang-Undang No . 11 t ahun 2008 t entang Informasi d an Transaksi Elektronik , serta Peraturan Bank Indonesia No . 16/1/PBI/2014 Tentang Perlindungan Konsumen Jasa Sistem Pembayaran . Apabila terdapat sengketa, bisa diselesaikan serupa dengan penyelesaian konvensional mengacu pada KUHP, atau Undang-Undang No. 8 tahun 1999 tentang Perlindungan Konsumen , diantaranya melalui meja hijau ataupun di luar meja hijau sebagaimana dilakukan sesuai persetujuan para pihak meliputi konsiliasi atau mediasi ataupun arbitrase. Kata Kunci : Perlindungan Konsumen, M-banking, E-commerce   ABSTRACT The purpose of this study is to know the legal provisions to protect users of m-banking payment procedures when transacting through e-commerce as well as settlements that can be taken if there is a dispute in its implementation as legal arrangements in Indonesia. This study was written based on the technique of normative juridical writing methods, through the approach of legislation and conceptual approach. The results of the analysis explain that legal protection for consumers using m-banking payment system through e-commerce can be found in the provisions of Law No. 8 of 1999 on Consumer Protection, Law of the Republic of Indonesia No. 19 of 2016 concerning Amendments to Law No. 11 of 2008 concerning Information and Electronic Transactions, and Bank Indonesia Regulation No. 16/1/PBI/2014 concerning Consumer Protection of Payment System Services. If there is a dispute, it can be resolved similar to the conventional settlement referred to the Criminal Code, or Law No. 8 of 1999 on Consumer Protection, among others through the green table or outside the green table conducted in accordance with the consent of the parties including conciliation or mediation or arbitration. Keywords : Consumer Protection, M-banking, E-commerce