Legal Protection of Personal Data in Electronic Transactions through the QRIS Payment System in Indonesia
Keywords:
Legal Protection, Personal Data, QRIS (Quick Response Code Indonesian Standard)Abstract
The development of digital technology has encouraged people to switch to electronic payment systems, one of which is through QRIS (Quick Response Code Indonesian Standard) developed by Bank Indonesia. However, behind this convenience there is a potential breach of consumer personal data that can occur due to weak supervision and understanding of users. This article examines how the legal protection of personal data in electronic transactions using QRIS is regulated in Indonesia, including challenges and solutions to ensure users' rights. The research method used is normative juridical with a legislative approach and a conceptual approach. This study found that although there are legal tools such as the Personal Data Protection Law, ITE Law, and regulations from Bank Indonesia, their implementation is still not optimal due to weak supervision and lack of digital literacy. Therefore, it is necessary to strengthen derivative regulations, public socialization, and stricter technical supervision of payment system service providers.
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