PERLINDUNGAN HUKUM TERHADAP PELAKU USAHA DALAM SISTEM PEMBAYARAN DIGITAL (QRIS) BERDASARKAN UU ITE

Abstract

The rapid development of digital payment systems has significantly transformed business transaction patterns in the modern economy, particularly through the implementation of the Quick Response Code Indonesian Standard (QRIS). While QRIS offers convenience and efficiency for business actors, it also raises various legal issues, particularly concerning system security, service reliability, and the allocation of liability in electronic transactions. This study aims to analyze legal protection for business actors in QRIS-based digital payment systems under Law Number 11 of 2008 concerning Electronic Information and Transactions, as amended by Law Number 1 of 2024. This research employs a normative juridical method with statute and conceptual approaches. The findings indicate that although a legal framework has been established, particularly under Article 15 of the Electronic Information and Transactions Law which mandates electronic system providers to ensure system reliability and security, legal protection for business actors remains suboptimal. This is reflected in persistent issues such as system transaction failures, delayed fund settlement, QR code misuse, and increasing risks of cybercrime that may cause financial losses to business actors. Furthermore, there remains a lack of clarity regarding the allocation of liability and compensation mechanisms in the event of losses. Therefore, strengthening legal protection through regulatory harmonization, clearer allocation of responsibilities among stakeholders, and enhanced digital security measures is essential to ensure legal certainty for business actors within the digital payment ecosystem.