PERLINDUNGAN HUKUM TERHADAP PENGGUNA KARTU BRIZZI YANG TIDAK BERHASIL MELAKUKAN TOP UP SALDO

Abstract

Writing in this journal discusses legal protection for BRIZZI card users who fail to top up balances which result in losses to consumers. The focus of the problem is a form of legal protection for e-money users and a form of legal responsibility on the part of the BRI bank as the issuer of the BRIZZI card. The purpose of this paper is to find out the legal arrangements for electronic money users and to find out the form of the bank's legal responsibility as a BRIZZI card issuer. The method used in this paper is to use a normative juridical research type with deductive analysis of legal material which is a research method by drawing conclusions from general material to specific material. The results of the study show that the form of legal protection for the failure of the Brizzi balance top-up process internally and externally. Internal legal protection is a security limitation or provision that is determined on the basis of an agreement which is then compiled in contractual agreement clauses which are then mutually agreed upon. Protection is protection that comes from the government in the form of legislation and regulations. a sanction if the action is contrary. BRI Bank must ensure that every transaction made by BRIZZI card users is recorded correctly and securely. In the event of an error, the bank must provide appropriate compensation to the consumer. Thus, legal protection for BRIZZI card users depends not only on the contractual agreement between banks and consumers but also on the regulations set by the government to ensure that consumer rights are thoroughly protected. This research emphasizes the importance of synergy between internal and external legal protection to create a safe and reliable transaction environment for electronic money users in Indonesia.