Implementation of Brizzi as an E-Money Payment Tools in Indonesia

Asri Elies Alamanda, Tulus Sartono

Abstract


Introduction to The Problem: The rapid technological progress at this time has greatly influenced the development of the payment system in Indonesia. Innovations in electronic payment instruments have developed into more usable forms. Currently, like the other country, Indonesia is developing an electronic payment instrument known this day as e-money. Bank Rakyat Indonesia is one of the e-money issuer institutions, which issues Brizzi as an alternative non-cash payment instrument. The problem faced is that there are still many people who do not want to use e-money, especially Brizzi because they do not know the validity of using Brizzi e-money.

Purpose/Objective Study: This research aims to study the importance of Brizzi E-Money as a means of payment.

Design/Methodology/Approach: This research uses empirical juridical research methods to answer the validity of using Brizzi e-money as a payment method. This study uses primary data and secondary data. The primary data in this research are obtained from interviews at Bank Rakyat Indonesia, Merlung Branch. Other than that is secondary data collected through library research.

Findings: This research shows that the existence of e-money continues to experience significant development from 2009 until 2019. The legality of using Brizzi e-money and other e-money in Indonesia has been recognized as a legal payment instrument as regulated in the PBI on Electronic Money.

Paper Type: Research Article.


Keywords


E-Money; Brizzi; Payment

Full Text:

PDF

References


Anam, C. (2019). E-Money (uang elektronik) dalam perspektif Hukum Syari’ah. Qawãnïn: Journal of Economic Syaria Law, 2(1), 95–112. https://doi.org/10.30762/q.v2i1.1049

Bank Indonesia (BI). (2019a). Informasi perizinan penyelenggara dan pendukung jasa sistem pembayaran. Retrieved from https://www.bi.go.id/id/sistem-pembayaran/informasi-perizinan/uang-elektronik/penyelenggara-berizin/Pages/default.aspx

Bank Indonesia (BI). (2019b). Statistik Sistem Pembayaran.

Retrieved July 13, 2019, from https://www.bi.go.id/id/statistik/sistem-pembayaran/uang-elektronik/contents/jumlah uang elektronik.aspx

Candrawati, N. N. A. (2014). Perlindungan hukum terhadap pemegang kartu e-money sebagai alat pembayaran dalam transaksi komersial. Jurnal Magister Hukum Udayana, 3(1), 1-16. https://doi.org/10.24843/JMHU.2014.v03.i01.p03

Disemadi, H. S., & Roisah, K. (2019). Kontrak build operate transfer sebagai sarana mewujudkan kesejahteraan rakyat. Jurnal Komunikasi Hukum, 5(2), 126-138. http://dx.doi.org/10.23887/jkh.v5i2.18419

Firdaus, M. R. (2018). E-Money dalam perspektif hukum ekonomi syariah.

Tahkim: Jurnal Hukum Dan Syariah, 14(1), 145-156. http://dx.doi.org/10.33477/thk.v14i1.613

Ghozali, M., & Pambudi, T. (2018). Pengaruh permintaan e-money terhadap pendapatan per kapita di Indonesia. Al-Amwal : Jurnal Ekonomi dan Perbankan Syari’ah, 10(2), 185-198. https://doi.org/10.24235/amwal.v10i2.3358

Hanim, L. (2011). Pengaruh perkembangan teknologi informasi terhadap keabsahan perjanjian dalam perdagangan secara elektronik (e-commerce) di era globalisasi. Jurnal Dinamika Hukum, 11(Edsus), 59-67. https://doi.org/10.20884/1.jdh.2011.11.edsus.262

Junadi, & Sfenrianto. (2015). A model of factors influencing consumer’s intention to use e-payment system in Indonesia. Procedia Computer Science, 59(Iccsci), 214–220. https://doi.org/10.1016/j.procs.2015.07.557

Kamnar, N. P. (2014). The uses of electronic money and its impact on monetary policy. Journal of Contemporary Economic and Business Issues, 1(2), 79-92. Retrieved from eccfjournal.mk/index.php/journal-archive/volume-1/

Lee, B., & Longeâ€Akindemowo, O. (1999). Regulatory issues in electronic money: A legalâ€economics analysis. Netnomics, 1(1), 53–70. https://doi.org/10.1023/A:1011445620486

Panurach, P. (1996). Money in electronic commerce: Digital cash, electronic fund transfer, and ecash. Communication of ACM, 39(6), 45-50. Retrieved from https://www.scss.tcd.ie/~htewari/bib_files/pan96.pdf

Pranoto, & Salsabila, S. S. (2018). Eksistensi kartu kredit dengan adanya electronic money (e-money) sebagai alat pembayaran yang sah. Privat Law, 6(1), 24–33. Retrieved from https://jurnal.uns.ac.id/privatlaw/article/view/19222/15222

Safitri, D., & Nainggolan, B. M. (2018). Implementation of campaign strategy for national non cash movement from Bank of Indonesia. Advances in Social Science, Education and Humanities Research, 150(ICoTic 2017), 13-17. Retrieved from https://www.atlantis-press.com/proceedings/icotic-17/25902361

Samsumar, L. D. (2016). Konsep dan tantangan penggunaan teknologi e-money sebagai alat pembayaran alternatif di Indonesia. METHODIKA: Jurnal Teknik Informatika dan Sistem Informasi, 2(1), 102–107. Retrieved from http://www.methodika.net/index.php/jurnalmethodika/article/view/18

Sudarsono, M. (2013). Perlindungan konsumen pemegang uang elektronik (e-money) dihubungkan dengan Undang-Undang Nomor 8 Tahun 1999 Tentang Perlindungan Konsumen. Jurnal Wawasan Yuridika, 29(2), 896–907. Retrieved from http://www.ejournal.sthb.ac.id/index.php/jwy/article/view/71

Tazkiyyaturrohmah, R. (2018). Eksistensi uang elektronik sebagai alat transaksi keuangan modern. Muslim Heritage, 3(1), 21-39. Retrieved from http://jurnal.iainponorogo.ac.id/index.php/muslimheritage/article/view/1240/878

Usman, R. (2017). Karakteristik uang elektronik dalam sistem pembayaran. Yuridika, 32(1), 134-166. https://doi.org/10.20473/ydk.v32i1.4431

Widyastuti, K., Handayani, P. W., & Wilarso, I. (2017). Tantangan dan hambatan implementasi uang elektronik di Indonesia: Studi kasus Pt xyz. Jurnal Sistem Informasi, 13(1), 38-48. https://doi.org/10.21609/jsi.v13i1.465




DOI: http://dx.doi.org/10.26555/novelty.v10i2.a13785

Refbacks

  • There are currently no refbacks.


Copyright (c) 2019 Jurnal Hukum Novelty

Creative Commons License
This work is licensed under a Creative Commons Attribution 4.0 International License.

Jurnal Hukum Novelty

ISSN 1412-6834 (Print)

ISSN 2550-0090 (Online)

This journal is licensed under a Creative Commons Attribution 4.0 International License.

Jurnal Hukum Novelty Stats

 

 

Jurnal Hukum Novelty has been covered by the following indexing sites:

 

     

 

Jurnal Hukum Novelty is member of: