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Legal Protection for Digital Wallet Users Regarding Transactions Without Verification

Hasanuddin Civil and Bussiness Law Review · Vol. 2 No. 1 (2026) · pp. 47–70

ISSN
3089-0144
Published
2026-01-24
Publisher
Civil Law Departmen of Faculty of Law, Hasanuddin University
Language
en
License
creativecommons.org/licenses/by/4.0

Abstract

This research aims to analyze the legal protection available to digital wallet users who experience balance reductions due to unverified transactions and to examine Bank Indonesia’s supervision of digital wallet services. This research employs an empirical legal approach using both primary and secondary data. The data collected were then processed and analyzed descriptively and qualitatively to draw conclusions and provide recommendations for addressing the identified issues. The research shows that legal protection for digital wallet users who experience balance reductions due to unverified transactions is regulated under Article 4 letter h of the Consumer Protection Act, Article 48 letters i and j of PBI 3/2023, Article 177 letter c of PBI 23/6/PBI/2021, and Article 32 of PADG 20/2023. Affected users may file complaints with Bank Indonesia under Article 52 of PBI 3/2023, which will be addressed through education, consultation, and facilitation. Bank Indonesia's supervision is carried out through both direct and indirect methods, including the evaluation of reports, self-assessments, documents, and periodic or ad hoc inspections to ensure that service providers implement consumer protection principles in all business activities.

Keywords

Collaboration network of the authors

6 authors · 11 co-authorship links

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  • Hasanuddin University
  • Affiliation unknown
  • Different organisations
  • Same organisation
  • Affiliation unknown
  • Thicker line = more joint articles · bigger circle = more articles
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Co-authorOrganisationJoint articles
Farida PatittingiHasanuddin University2
Andi KurniawatiAffiliation unknown2
AmaliyahAffiliation unknown2
Muh HasrulAffiliation unknown1

Affiliations come from OpenAlex; journal OAI-PMH metadata carries none. Authors without an OpenAlex ID are matched by name, which can merge or split people.

Metadata source: OAI-PMH (metadata jurnal) https://journal.unhas.ac.id/index.php/hcblr/oai, first harvested 2 Nov 2026, last seen 2 Nov 2026.
Original metadata (oai_dc) 
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	<dc:title xml:lang="en">Legal Protection for Digital Wallet Users Regarding Transactions Without Verification</dc:title>
	<dc:creator xml:lang="en">Alifia Aisya Hikma</dc:creator>
	<dc:creator xml:lang="en">Marwah</dc:creator>
	<dc:subject xml:lang="en">Bank Indonesia</dc:subject>
	<dc:subject xml:lang="en">Digital Wallet</dc:subject>
	<dc:subject xml:lang="en">Transactions</dc:subject>
	<dc:description xml:lang="en">This research aims to analyze the legal protection available to digital wallet users who experience balance reductions due to unverified transactions and to examine Bank Indonesia’s supervision of digital wallet services. This research employs an empirical legal approach using both primary and secondary data. The data collected were then processed and analyzed descriptively and qualitatively to draw conclusions and provide recommendations for addressing the identified issues. The research shows that legal protection for digital wallet users who experience balance reductions due to unverified transactions is regulated under Article 4 letter h of the Consumer Protection Act, Article 48 letters i and j of PBI 3/2023, Article 177 letter c of PBI 23/6/PBI/2021, and Article 32 of PADG 20/2023. Affected users may file complaints with Bank Indonesia under Article 52 of PBI 3/2023, which will be addressed through education, consultation, and facilitation. Bank Indonesia's supervision is carried out through both direct and indirect methods, including the evaluation of reports, self-assessments, documents, and periodic or ad hoc inspections to ensure that service providers implement consumer protection principles in all business activities.</dc:description>
	<dc:publisher xml:lang="en">Civil Law Departmen of Faculty of Law, Hasanuddin University</dc:publisher>
	<dc:date>2026-01-24</dc:date>
	<dc:type>info:eu-repo/semantics/article</dc:type>
	<dc:type>info:eu-repo/semantics/publishedVersion</dc:type>
	<dc:type xml:lang="en">Peer-reviewed Article</dc:type>
	<dc:type xml:lang="en">Text</dc:type>
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	<dc:identifier>https://journal.unhas.ac.id/index.php/hcblr/article/view/47106</dc:identifier>
	<dc:source xml:lang="en">Hasanuddin Civil and Bussiness Law Review; Vol. 2 No. 1 (2025): VOLUME 2 ISSUE 1 2025; 47-70</dc:source>
	<dc:source xml:lang="id">Hasanuddin Civil &amp; Business Law REview; Vol 2 No 1 (2025): VOLUME 2 ISSUE 1 2025; 47-70</dc:source>
	<dc:source>3089-0144</dc:source>
	<dc:language>en</dc:language>
	<dc:relation>https://journal.unhas.ac.id/index.php/hcblr/article/view/47106/14074</dc:relation>
	<dc:rights xml:lang="en">Copyright (c) 2026 Hasanuddin Civil and Bussiness Law Review</dc:rights>
	<dc:rights xml:lang="en">https://creativecommons.org/licenses/by/4.0</dc:rights>
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