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"Tesis ini membahas mengenai perlindungan hukum tentang penyelenggaraan sistem pembayaran elektronik menggunakan kartu. Perlindungan yang diatur pada undang-undang nomor 11 tahun 2008 tentang Informasi dan Transaksi Elektronik mengamanatkan pelaksanaan transaksi elektronik yang andal, aman dan bertanggung jawab. Pada prakteknya pelaksanaan ini belum terlaksana dengan baik. Tesis ini mencoba membahas peraturan-peraturan yang terkait dengan aspek perlindungan pengguna sistem pembayaran elektronik dengan alat pembayaran menggunakan kartu.

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This thesis describes about the legal protection implemented on the enforcement of electronic payment system using payment card. The legal protection that are regulated in the law of Information and Electronic Transaction number 11 year 2008 is mandating for an electronic transaction practice that are secure, reliable and responsible. On the field this practice of regulation has not been well applied. This thesis will try to look other regulation that are related with the aspect of user protection on electronic payment system used with payment card."

"Tesis ini membahas tiga permasalahan utama. Pertama, bagaimana pengaturan perlindungan konsumen kartu kredit di Indonesia? Kedua, bagaimana perjanjian kartu kredit antara bank dan nasabah kartu kredit serta perjanjian kerjasama antara bank dan merchant? Dan ketiga, bagaimana akibat hukum atas pembebanan biaya tambahan di dalam transaksi dengan menggunakan kartu kredit berdasarkan Peraturan Bank Indonesia Nomor 14/2/PBI/2012, Undang-Undang Nomor 13 Tahun 1985 Tentang Bea Materai dan Peraturan Pemerintah Nomor 24 Tahun 2000 tentang Perubahan Tarif Bea Materai dan Bearnya Batas Pengenaan Harga Nominal Yang Dikenakan Bea Materai? Penelitian dilakukan dengan metode yuridis normative, tujuan dari penelitian ini adalah untuk memberikan pengetahuan mengenai peraturan perlindungan konsumen kartu kredit di Indonesia, menganalisis secara hukum mengenai perjanjian kartu kredit antara bank dan nasabah, serta perjanjian kerjasama antara bank dan merchant, dan menganalisis akibat hukum atas pengenaan Merchant Discount Rate (MDR) oleh merchant kepada konsumen dan bea materai di dalam laporan tagihan kartu kredit. Peraturan mengenai kartu kredit di Indonesia diatur dalam Peraturan Bank Indonesia Nomor 14/2/PBI/2002 dan Surat Edara Bank Indonesia No. 14/17/DASP. Pejanjian kartu kredit antara bank dengan nasabah adalah dengan penandatanganan formulir permohonan penerbitan kartu kredit yang berlaku sebagai perjanjian, sama halnya dalam perjanjian kerjasama antara bank dengan merchant. Kedua perjanjian tersebut menetapkan kausula baku dalam is masingmasing perjanjian tersebut. Di dalam transaksi yang menggunakan kartu kredit, terdapat pembebanan biaya tambahan yang terdiri atas MDR dan Biaya Materai. Pembebanan MDR sebenarnya dilarang oleh Peraturan Bank Indonesia No. 14/2/PBI/2012 PAsal 8 ayat (2), yang menyatakan bahwa pembebanan MDR merupakan suatu perbuatan yang dilarang untuk dilakukan oleh merchant dan termasuk ke dalam tindakan yang merugikan untuk konsumen. Sedangkan pembebanan bea materai, memang menjadi tanggung jawab konsumen berdasarkan Peraturan Pemerintah Republik Indonesia Nomor 24 Tahun 2000 PAsal 1 huruf a, yang menyatakan bahwa pihak-pihak yang memegang surat perjanjian atau surat-surat lainnya tersebut, dibebani kewajiban untuk membayar Bea Materai atas surat perjanjian atau surat-surat yang dipegangnya.

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The content of thesis discusses three main issues. First, how is the regulation of credit card consumer protection in Indonesia? Second, how is the credit card agreement between bank and customers as well as the agreement between bank and merchant? And third, how does the legal effect of the imposition of additional costs on the transaction by using credit card based on Bank Indonesia Regulation No. 14/2/PBI/2012, 1985 Act Enactment No. 13 on Stamp Duty, and Government Regulation No. 24 year 2000 regarding changes of Stamp Duty Tariff and the limit price of Nominal subjected Stamp Duty? The study was conducted with normative juridical method, the purpose of this research is to provide knowledge about the credit card consumer protection laws in Indonesia, and analyze the credit card agreement between bank and customer from legal perspective, as well as the agreement between bank and merchant, and analyze the legal consequences of the imposition of Merchant Discount Rate (MDR) by merchant to consumer and the cost of stamp duty on the credit card billing statement. The credit card regulations in Indonesia are regulated by Bank Indonesia Regulation No. 14/2/PBI/2002 and Surat Edaran Bank Indonesia No. 14/17/DASP. The credit card agreement between bank and its customers is done by signing the application form of the issuance of credit card, which serves as an agreement, as well as the agreement between bank and merchant. Both of agreements establish standard clause in the content of each of these agreements. In exchange for the use of credit cards, there are two additional charges, which consist of MDR and Stamp costs. The Imposition of MDR is prohibited by Bank Indonesia Regulation No. 14/2/PBI/2012 Article 8 Paragraph (2), which states that the imposition of MDR is a prohibited act to be done by merchant and inflict a financial loss for the consumer. While the imposition of stamp duty is the responsibility of the consumer based on the Indonesian Government Regulation No. 24 year 2000 Article 1 Letter A, which states that the parties who hold a letter of agreement or such other, burdened with the obligation to pay Stamp Duty of each letter of agreement."

"Electronic information is the core for electronic online transaction comprising electronic data, electronic message and electronic record, so that its protection is absolutely admitted as information which has the same status as paper based and signed document. Legal protection for electronic information will give legal certainly in the evidence framework if that electronic information fulfills requirements of validity, reliability and security. Electronic document gets security through the language of machine signature that is electronic siganture. Electronic signature appears because there is no standard method to sign a paper document containing certain writing, whether to use hand paper by using ink or other means. However, the authenticity of electronic document becomes an absolute thing to prevent conflicts in the future. In this online transaction, the authenticity becomes an absolute thing because although the transaction uses electronic documents, but the key concept or the core of evidence admission and the evidence value of electronic documents, which becomes the center of law is still the same as paper based documents."

"Baru-baru ini muncul istilah cyber law. Cyber hukum muncul dalam merespon perkembangan pesat yang dinamis, khususnya di bidang teknologi informasi. Pada 21 April 2008, pemerintah Indonesia melalui Dewan Perwakilan Rakyat Republik Indonesia (DPR-RI) telah menetapkan undang-undang tentang internet dan perdagangan elektronik (Undang-undang nomor 11 tahun 2008 tentang internet dan transaksi elektronik). Perkembang teknologi informasi membawan cara transaksi yang sangat berbeda dari yang konvensional (tatap muka transaksi). Dalam era baru, transaksi dalam perdagangan terjadi melalui situs Web yang ditawarkan oleh beberapa penyedia layanan internet dan dikenal sebagai perdagangan elektronik atau e-commerce. Jenis transaksi ini tentu saja sedikit berisiko bagi konsumen. Dan hukum di internet dan perdagangan elektronik akan melindungi mereka."

"Lahirnya era digital pada teknologi finansial ditandai dengan munculnya layanan keuangan berbasis teknologi yang dikenal dengan istilah Financial Technology atau fintech. Bentuk dasar fintech antara lain pembayaran (digital wallets, P2P payments), investasi (equity crowdfunding, Peer to Peer Lending), pembiayaan (crowdfunding, micro-loans, credit facilities), asuransi (risk management), lintas-proses (big data analysis, predicitive modeling), infrastruktur (security). P2P lending merupakan suatu layanan yang disediakan oleh suatu perusahaan kepada masyarakat dengan tujuan pinjam meminjam uang secara online melalui website atau aplikasi yang dikelola oleh perusahaan tersebut. Dalam pelaksaaan timbul permasalahan terkait dengan perlindungan privasi dan data pribadi pengguna aplikasi dalam transaksi elektronik peer to peer lending. Hal ini dikarenakan belum adanya undang-undang yang secara khusus mengatur tentang perlindungan data pribadi. Penelitian ini menggunakan metode yuridis normatif dengan pendekataan undang-undang, historis, dan konseptual. Guna mengantisipai hal tersebut, Otoritas Jasa Keuangan sebagai wasit industri keuangan telah mengeluarkan aturan pembatasan data yang dapat diakses, yakni Camera, Michrophone dan Location (CAMILAN), akan tetapi pelaksaannya masih timbul kendala terkait dengan pemberian sanksi terhadap pelanggar. Pengguna aplikasi yang merasa dirugikan dapat mengajukan gugatan perbuatan melawan hukum, dan apabila ditemukan adanya unsur pidana, maka dapat membuat laporan polisi.

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The birth of the digital era in financial technology was marked by the emergence of technology-based financial services known as Financial Technology or fintech. Basic forms of fintech include payments (digital wallets, P2P payments), investments (equity crowdfunding, Peer to Peer Lending), financing (crowdfunding, micro-loans, credit facilities), insurance (risk management), cross-process (big data analysis, predictive modeling), and infrastructure (security). Peer to peer lending is a service provided by a company to the community with the aim of borrowing money online through a website or application managed by the company. In its implementation, problems arise regarding the protection of the privacy and personal data of the application users in peer to peer lending electronic transactions. This is due to the absence of laws specifically regulating the protection of personal data. This study uses the normative juridical method with a range of laws, historical, and conceptual. In order to anticipate this, the Otoritas Jasa Keuangan, as a referee in the financial industry has issued a regulation limiting data that can be accessed, namely camera, microphone and location (CAMILAN), but the implementation is still a problem related to sanctions against violators. Application users who feel disadvantaged can file a lawsuit, and if any criminal element is found, they can make a police report."