TINJAUAN HUKUM TERHADAP PERLINDUNGAN KONSUMEN DALAM LAYANAN SHOPEE PAY LATER

Abstract. This research examines aspects of consumer legal protection in the Shopee Pay Later (SPayLater) service, which is part of the rapidly growing fintech trend in Indonesia. Along with the increasing use of digital credit services such as Pay Later, the issue of consumer protection is becoming increasingly crucial. The role of the Financial Services Authority (OJK) and Bank Indonesia (BI) in ensuring that Shopee Pay Later complies with existing regulations and provides protection for its consumers. Using a normative juridical approach, this research evaluates the regulations in Indonesia that govern digital credit services, including the consumer protection law and OJK regulations. In addition, this study also highlights the role of financial institutions in providing fair and transparent credit solutions for consumers caught in default situations. It can be concluded that strict supervision, information transparency, and personal data protection are important aspects in providing legal protection for consumers of Shopee Pay Later services. Keywords: Shopee Pay Later, Consumer Protection, Financial Services Authority, Bank Indonesia. Abstrak. Penilitian ini mengkaji aspek perlindungan hukum konsumen dalam layanan Shopee Pay Later (SPayLater), yang menjadi bagian dari tren fintech yang berkembang pesat di Indonesia. Seiring dengan meningkatnya penggunaan layanan kredit digital seperti Pay Later, persoalan perlindungan konsumen menjadi semakin krusial. Peran Otoratis Jasa Keuangan (OJK) dan Bank Indonesia (BI) dalam memastikan bahwa Shopee Pay Later memathui regulasi yang ada serta memberikan perlindungan bagi konsumennya. Dengan pendekatan yuridis normatif, penilitian ini mengevaluasi peraturan-peraturan di Indonesia yang mengatur layanan kredit digital, termasuk Undang-Undang perlindungan konsumen dan aturan ojk. Selain itu, dalam penelitian ini juga menyoroti peran lembaga keuangan dalam memberikan solusi kredit yang adil dan transparan bagi konsumen yang terjebak dalam situasi gagal bayar. Dapat di simpukan bahwa pengawasan yang ketat, tranparansi informasi, dan perlindungan data pribadi merupakan aspek penting dalam memberikan perlindungan hukum bagi konsumen layanan Shopee Pay Later. Kata Kunci: Shopee Pay Later, Perlindungan Konsumen, Otoritas Jasa Keuangan, Bank Indonesia