• Normalita Destyarini Universitas Duta Bangsa
  • Falah Al Ghozali Universitas Duta Bangsa
  • Muhamad Rois Universitas Duta Bangsa Surakarta



QRIS, Fraud, Payment Services Providers


Technology in the payment system brings convenience to its users and as an effort to improve the economy, the use of QR Code technology. Indonesia has a standardized standard in terms of using the QR Code, namely by using QRIS (Quick Response Code Indonesian Standard) issued by payment service providers as stipulated in the Regulation of the Members of the Board of Governors of Bank Indonesia Number 23/6/PBI/2021 concerning Payment Service Providers. There are risks that may arise, namely the occurrence of QRIS transaction fraud. Sanctions for Payment Service Providers as in the Regulation of Members of the Board of Governors of Bank Indonesia Number 23/6 / PBI / 2021 concerning Payment Service Providers in the form of administrative sanctions to termination of business activities further Law Number 13 of 2011 concerning Fund Transfers Article 79 to Article 86 by providing criminal provisions for perpetrators of fund transfers that do not have a license.



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Zainuddin Ali. (2018). Metode Penelitian Hukum. Jakarta: Sinar Grafika.

Scientific Journals

Cornelia, A.-M., & Repanovici, A. (2015). Legal Information Management Using QR Codes. Qualitative and Quantitative Methods in Libraries (QQML), 4, 381–397. Retrieved from

Deloitte Consulting. (2018). Bolstering Financial Inclusion in Indonesia: How QR Codes Can Drive Digital Payments and Enable Financial Inclusion. p. 44. Retrieved from

Dwi, A. S. (2017). Studi Tingkat Kecelakaan Lalu Lintas Jalan di Indonesia Berdasarkan Data KNKT ( Komite Nasional Keselamatan Transportasi ) Dari Tahun 2007-2016 Nasional Keselamatan Transportasi ) Database from 2007-2016. Warta Penelitian Perhubungan, 29(2), 179–190.

Kombo, F., Belas, J., Koraus, A., & Korau, M. (2016). A Electronic Banking Security and Cutomer Satatisfication in Commercial Banks. Journal of Security and Sustainbilitu Issues, 5(3), 411–422.

Kurniawan, D., Zusrony, E. dan Kusumajaya, R.A. (2018), Analisa Persepsi Pengguna Layanan Payment Gateway Pada Financial Technology Dengan Metode Eucs, Jurnal INFORMA Politeknik Indonusa Surakarta, 4(3), 1–5

M, K. W., & Ralph, W. H. (2018). The Impact of Technology on Business and Society. Global Journal of Business Research, 12(1), 23–39.

P, A., & Akpojaro, J. (2014). Analysis of Security Issues in Electronic Payment Systems. International Journal of Computer Applications Volume 108 – No. 10, December 2014., 108(10), 10–14.

Várallyai, L. (2013). From Barcode to QR Code Applications. Journal of Agricultural Informatics, 3(2), 9–17.