The Urgency of E-Money Policy As a Payment Instrument

Clarissa Oktaviriya Prakoso

doi:10.19184/jeblr.v4i1.47935

Clarissa Oktaviriya Prakoso Brawijaya University

DOI: https://doi.org/10.19184/jeblr.v4i1.47935

Abstract

The emergence of electronic money or e-money for short as a payment instrument is part of the development of information and technology. Using e-money makes transactions easier and faster for people because without carrying cash, there is no need to receive change in the form of goods. In 2017, the government aggressively promoted e-money transactions by issuing Bank Indonesia Regulation Number 18/17/PBI/2016 concerning Electronic Money. This regulation aims to increase the use of e-money and support financial inclusion. The aim of writing this scientific journal is to determine the position and existence of money as a legal means of payment with the issuance of e-money which even functions as the only means of payment. Writing this scientific journal is a normative legal research , which is carried out to find scientific truth through a statutory and conceptual approach. The legal materials used are primary, secondary and other legal materials. The results of the discussion are that money is a legal means of payment in accordance with what is stated in Article 1 number 2 of the Currency Law. E-money is a legal means of payment.

Keywords: Policy Urgency; E Money; Payment Tools

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