Proceedings of The International Conference on Environmental and Technology of Law, Business and Education on Post Covid 19, ICETLAWBE 2020, 26 September 2020, Bandar Lampung, Indonesia

Research Article

Legal Protection of E-Wallet User in Digital Transaction

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  • @INPROCEEDINGS{10.4108/eai.26-9-2020.2302607,
        author={Sunaryo  Sunaryo and Hanifah  Nuraini},
        title={Legal Protection of E-Wallet User in Digital Transaction},
        proceedings={Proceedings of The International Conference on Environmental and Technology of Law, Business and Education on Post Covid 19, ICETLAWBE 2020, 26 September 2020, Bandar Lampung, Indonesia},
        publisher={EAI},
        proceedings_a={ICETLAWBE},
        year={2020},
        month={12},
        keywords={e-wallet legal protection digital transaction},
        doi={10.4108/eai.26-9-2020.2302607}
    }
    
  • Sunaryo Sunaryo
    Hanifah Nuraini
    Year: 2020
    Legal Protection of E-Wallet User in Digital Transaction
    ICETLAWBE
    EAI
    DOI: 10.4108/eai.26-9-2020.2302607
Sunaryo Sunaryo1,*, Hanifah Nuraini2
  • 1: Faculty of Law Lampung University, Bandar Lampung, Indonesia
  • 2: Post Graduated Faculty of Law Lampung University, Bandar Lampung, Indonesia
*Contact email: sunaryo.1960@fh.unila.ac.id

Abstract

Digital payment system combines technological element that has characteristic of effectiveness and efficiency in commercial transaction. Electronic wallet is an electronic service that is used to collect digital payment funds and store payment data. As a digital payment system, e-wallet is categorized in a micro scale payment which designed to serve small payments with high frequency. In practice, e-wallet has some risks such as malfunction, duplication of devices, repudiation. The risks are departing on the problem of digital e-wallet system performance that requires involvement by many stakeholders, so the complexity in business interactions and the system manage its risks. Legal protection of e-wallet users through legal arrangements creates interoperability in digital performance e-wallet payment system to give better digital payment. The right interoperability can optimize stakeholder capabilities in coordinating with each other. The effectiveness of coordination is built by system standardization in regulation instrument that can guarantee e-wallet legal protection.