Analisis Hukum Perdata terhadap Keabsahan dan Pembuktian Tanda Tangan Digital Serta Pertanggungjawaban Platform E-Wallet dalam Transaksi E-Commerce

As-Sifa Pebrianti ; Ardhita Aulia Utari ; Salwa Fauziyah Anwar ; Shabrina Najla Ingga Jayasti
Konsensus : Jurnal Ilmu Pertahanan, Hukum dan Ilmu... 📅 2025 Vol 2, No 6 🔗 DOI: 10.62383/konsensus.v2i6.1433
Abstract
The rapid development of digital technology has significantly transformed financial transactions in Indonesia, particularly through the growing use of e-wallets as practical and efficient payment tools. In a country with a Muslim-majority population, ensuring that e-wallet services comply with Islamic principles—free from riba, gharar, and maysir—is essential. This study aims to analyze Indonesia’s legal politics in regulating the use of e-wallets within the Islamic financial system and to assess their alignment with sharia principles. This research employs a normative juridical method with a qualitative descriptive approach by examining laws, regulations, and fatwas related to sharia-based fintech. The findings indicate that the Indonesian regulatory framework—through the OJK, Bank Indonesia, and DSN-MUI—has attempted to harmonize policies to support sharia-compliant digital financial services. However, several challenges remain, including limited e-wallet platforms with sharia certification, low digital sharia literacy among users, and the absence of detailed technical regulations specific to sharia e-wallet operations. This study recommends strengthening regulatory guidelines, increasing public literacy, and enhancing collaboration between regulators and the fintech industry to promote the development of sharia-compliant e-wallets that are secure, innovative, and aligned with Islamic financial principles.
Keywords
Civil Liability; Digital Signature; E-Commerce Transactions; E-Wallet; Electronic Evidence
How to Cite

As-Sifa Pebrianti, et al. (2025). Analisis Hukum Perdata terhadap Keabsahan dan Pembuktian Tanda Tangan Digital Serta Pertanggungjawaban Platform E-Wallet dalam Transaksi E-Commerce. Konsensus : Jurnal Ilmu Pertahanan, Hukum dan Ilmu Komunikasi, 2(6). https://doi.org/10.62383/konsensus.v2i6.1433

As-Sifa Pebrianti; Ardhita Aulia Utari; Salwa Fauziyah Anwar; Shabrina Najla Ingga Jayasti, "Analisis Hukum Perdata terhadap Keabsahan dan Pembuktian Tanda Tangan Digital Serta Pertanggungjawaban Platform E-Wallet dalam Transaksi E-Commerce," Konsensus : Jurnal Ilmu Pertahanan, Hukum dan Ilmu Komunikasi, vol. 2, no. 6, 2025.

As-Sifa Pebrianti; Ardhita Aulia Utari; Salwa Fauziyah Anwar; Shabrina Najla Ingga Jayasti. "Analisis Hukum Perdata terhadap Keabsahan dan Pembuktian Tanda Tangan Digital Serta Pertanggungjawaban Platform E-Wallet dalam Transaksi E-Commerce." Konsensus : Jurnal Ilmu Pertahanan, Hukum dan Ilmu Komunikasi, vol. 2, no. 6, 2025.

As-Sifa Pebrianti; Ardhita Aulia Utari; Salwa Fauziyah Anwar; Shabrina Najla Ingga Jayasti. "Analisis Hukum Perdata terhadap Keabsahan dan Pembuktian Tanda Tangan Digital Serta Pertanggungjawaban Platform E-Wallet dalam Transaksi E-Commerce." Konsensus : Jurnal Ilmu Pertahanan, Hukum dan Ilmu Komunikasi 2, no. 6 (2025).

As-Sifa Pebrianti, et al. (2025) 'Analisis Hukum Perdata terhadap Keabsahan dan Pembuktian Tanda Tangan Digital Serta Pertanggungjawaban Platform E-Wallet dalam Transaksi E-Commerce', Konsensus : Jurnal Ilmu Pertahanan, Hukum dan Ilmu Komunikasi, 2(6). doi: 10.62383/konsensus.v2i6.1433.

As-Sifa Pebrianti; Ardhita Aulia Utari; Salwa Fauziyah Anwar; Shabrina Najla Ingga Jayasti. Analisis Hukum Perdata terhadap Keabsahan dan Pembuktian Tanda Tangan Digital Serta Pertanggungjawaban Platform E-Wallet dalam Transaksi E-Commerce. Konsensus : Jurnal Ilmu Pertahanan, Hukum dan Ilmu Komunikasi. 2025;2(6).

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