Abstrak
This study aims to analyze the legal protection afforded to consumers engaging in digital transactions through the QRIS (Quick Response Code Indonesian Standard) application. Based on the research background, two primary issues are addressed: first, the form of legal protection available to consumers in digital transactions via the QRIS application; and second, the challenges and legal remedies for issues arising in such transactions. Based on the results of the research, the issue of legal protection for consumers in digital transactions through the QRIS application shows that although various regulations governing consumer protection already exist, their implementation has not yet been carried out optimally. Consumers still face risks such as transaction failures, personal data breaches, and unclear allocation of responsibility among the parties involved. Therefore, increased supervision, law enforcement, and consumer education are required so that the use of QRIS can provide more effective and fair legal protection. Legal resolution of QRIS transaction disputes for consumers can be pursued through complaints to payment system service providers, non-litigation dispute resolution through the Consumer Dispute Settlement Agency (BPSK), reporting to Bank Indonesia or the Financial Services Authority (OJK), as well as civil lawsuits filed in court based on the Consumer Protection Law. The effectiveness of these mechanisms depends on the compliance of service providers and the level of consumers’ legal literacy.