YURIDIS ANALISA QUICK RESPONSE CODE SEBAGAI SISTEM PEMBAYARAN DITINJAU DARI PERATURAN BANK INDONESIA NOMOR 18/40/PBI/2016 TENTANG PENYELENGGARAAN PEMROSESAN TRANSAKSI PEMBAYARAN

Abstract

Countries in the world including Indonesia are increasingly developing from various aspects of
culture, health, economy, and continue to improve increasingly sophisticated technology. Banks
in the aspect of the nation's economy have an important role as financial institutions that can
influence the economic activities of a nation and play an active role in the progress and
deterioration of a nation's economy. The Quick Response Code is the latest innovation in the
Indonesian banking industry to facilitate customers in conducting transactions, namely by
conducting transactions using QR Code (barcode). This feature makes it easy for customers to
simply scan (barcode) the sticker / receipt from the merchant. The author's method that I use is
normative juridical. The author discusses how the application of risk management and legal
protection for QR Code users. Although the service and Implementation Regulations for the QR
Code have been used by customers, these regulations must be discussed again and reformulated
with regard to the protection and accountability of users of the QR Code and clear sanctions in
the event of losses caused by fraudsters. Complaint efforts in the event of a loss to the QR Code
user, can submit complaints to Bank Indonesia as long as they meet these requirements