DEBTOR LIABILITY FOR DEFAULT IN DIGITAL PAYMENT SYSTEMS: A CASE STUDY OF LATE SPAYLATER PAYMENTS
DOI:
https://doi.org/10.62281/fn2axp07Keywords:
Fintech, Default, SpayLaterAbstract
Modernization has brought about digital developments that benefit various aspects of life, such as easy access to information, business, trade, and professional connections. Despite these benefits, technological developments also have the potential to give rise to electronic-based legal violations, one of which is default in SpayLater. This article aims to examine the forms of default that occur in SpayLater payments and the mechanisms for resolving such defaults. This article applies a legal-normative method with a legislative approach to analyze regulatory provisions and a conceptual approach to examine analytical perspectives on default. The results of the study show that default in SpayLater arises due to debtor negligence, failure to pay installments, late payments, and failure to comply with the terms of the agreement. In practice, the resolution carried out by Shopee often applies a non-litigation mechanism through internal actions such as sending warning messages to users, restricting access to SpayLater, reducing SpayLater limits, freezing accounts, direct billing to users, and recording delays in the OJK's Financial Information Service System (SLIK).
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Copyright (c) 2026 Rhesas Shalatan, Angeli Dwi Agustin, Naufal Raki Pratama (Author); Tengku Niesrina Syakira (Co Author)
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