{"id":"https://openalex.org/W7225398335","doi":"https://doi.org/10.47191/ijsshr/v9-i11-07","title":"Legal Protection of Electronic Fund Transfer (EFT) In Indonesia: An Analysis of the Regulatory Framework and Legal Issues in Electronic Transactions","display_name":"Legal Protection of Electronic Fund Transfer (EFT) In Indonesia: An Analysis of the Regulatory Framework and Legal Issues in Electronic Transactions","publication_year":2026,"publication_date":"2026-11-06","ids":{"openalex":"https://openalex.org/W7225398335","doi":"https://doi.org/10.47191/ijsshr/v9-i11-07"},"language":"en","primary_location":{"id":"doi:10.47191/ijsshr/v9-i11-07","doi":"https://doi.org/10.47191/ijsshr/v9-i11-07","is_oa":true,"landing_page_url":"https://doi.org/10.47191/ijsshr/v9-i11-07","pdf_url":"https://ijsshr.in/v9i11/Doc/7.pdf","source":{"id":"https://openalex.org/S4210180292","display_name":"International Journal of Social Science and Human Research","issn_l":"2644-0679","issn":["2644-0679","2644-0695"],"is_oa":false,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":null,"host_organization_name":null,"host_organization_lineage":[],"host_organization_lineage_names":[],"type":"journal"},"license":"cc-by-nc","license_id":"https://openalex.org/licenses/cc-by-nc","version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"International Journal of Social Science and Human Research","raw_type":"journal-article"},"volume":null,"type":"article","is_traditional":true,"indexed_in":["crossref"],"open_access":{"is_oa":true,"oa_status":"hybrid","oa_url":"https://ijsshr.in/v9i11/Doc/7.pdf","any_repository_has_fulltext":false},"authorships":[{"author_position":"first","author":{"id":"https://openalex.org/A5161010337","display_name":"Anak Agung Ngurah Manu Parawangsa","orcid":null,"observed_orcids":[]},"institutions":[{"id":"https://openalex.org/I11855966","display_name":"Diponegoro University","ror":"https://ror.org/056bjta22","country_code":"ID","type":"education","lineage":["https://openalex.org/I11855966"]}],"countries":["ID"],"is_corresponding":false,"raw_author_name":"Anak Agung Ngurah Manu Parawangsa","raw_affiliation_strings":["Master Of Law Program, Faculty of Law, Diponegoro University, Indonesia"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"Master Of Law Program, Faculty of Law, Diponegoro University, Indonesia","institution_ids":["https://openalex.org/I11855966"]}]},{"author_position":"last","author":{"id":"https://openalex.org/A5161001148","display_name":"Prof. Dr. Achmad Busro, S.H., M.Hum","orcid":null,"observed_orcids":[]},"institutions":[{"id":"https://openalex.org/I11855966","display_name":"Diponegoro University","ror":"https://ror.org/056bjta22","country_code":"ID","type":"education","lineage":["https://openalex.org/I11855966"]}],"countries":["ID"],"is_corresponding":false,"raw_author_name":"Prof. Dr. Achmad Busro, S.H., M.Hum","raw_affiliation_strings":["Master Of Law Program, Faculty of Law, Diponegoro University, Indonesia"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"Master Of Law Program, Faculty of Law, Diponegoro University, Indonesia","institution_ids":["https://openalex.org/I11855966"]}]}],"institutions":[],"countries_distinct_count":1,"institutions_distinct_count":1,"corresponding_author_ids":[],"corresponding_institution_ids":["https://openalex.org/I11855966"],"apc_list":null,"apc_paid":null,"fwci":0.0,"has_fulltext":true,"cited_by_count":0,"citation_normalized_percentile":{"value":0.0,"is_in_top_1_percent":false,"is_in_top_10_percent":false},"cited_by_percentile_year":null,"biblio":{"volume":"09","issue":"11","first_page":null,"last_page":null},"is_retracted":false,"is_paratext":false,"is_xpac":false,"primary_topic":{"id":"https://openalex.org/T14291","display_name":"Indonesian Legal and Regulatory Studies","score":0.6934000253677368,"subfield":{"id":"https://openalex.org/subfields/3308","display_name":"Law"},"field":{"id":"https://openalex.org/fields/33","display_name":"Social Sciences"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},"topics":[{"id":"https://openalex.org/T14291","display_name":"Indonesian Legal and Regulatory Studies","score":0.6934000253677368,"subfield":{"id":"https://openalex.org/subfields/3308","display_name":"Law"},"field":{"id":"https://openalex.org/fields/33","display_name":"Social Sciences"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},{"id":"https://openalex.org/T13364","display_name":"Digitalization, Law, and Regulation","score":0.14399999380111694,"subfield":{"id":"https://openalex.org/subfields/3308","display_name":"Law"},"field":{"id":"https://openalex.org/fields/33","display_name":"Social Sciences"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},{"id":"https://openalex.org/T13475","display_name":"Digital Transformation in Law","score":0.07020000368356705,"subfield":{"id":"https://openalex.org/subfields/3308","display_name":"Law"},"field":{"id":"https://openalex.org/fields/33","display_name":"Social Sciences"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}}],"keywords":[{"id":"https://openalex.org/keywords/electronic-funds-transfer","display_name":"electronic funds transfer","score":0.9990000128746033},{"id":"https://openalex.org/keywords/legal-protection","display_name":"legal protection","score":0.6420000195503235},{"id":"https://openalex.org/keywords/regulatory-framework","display_name":"regulatory framework","score":0.6700000166893005},{"id":"https://openalex.org/keywords/electronic-transactions","display_name":"electronic transactions","score":0.7110000252723694},{"id":"https://openalex.org/keywords/consumer-protection","display_name":"consumer protection","score":0.6539999842643738},{"id":"https://openalex.org/keywords/legal-liability","display_name":"legal liability","score":0.847000002861023},{"id":"https://openalex.org/keywords/data-security","display_name":"data security","score":0.9449999928474426},{"id":"https://openalex.org/keywords/cybercrime","display_name":"cybercrime","score":0.8820000290870667},{"id":"https://openalex.org/keywords/fraud","display_name":"fraud","score":0.7149999737739563},{"id":"https://openalex.org/keywords/personal-data-protection","display_name":"personal data protection","score":0.7260000109672546},{"id":"https://openalex.org/keywords/digital-banking","display_name":"digital banking","score":0.7760000228881836},{"id":"https://openalex.org/keywords/fintech","display_name":"fintech","score":0.8679999709129333},{"id":"https://openalex.org/keywords/regulatory-harmonization","display_name":"regulatory harmonization","score":0.8539999723434448},{"id":"https://openalex.org/keywords/indonesia","display_name":"Indonesia","score":0.5860000252723694}],"concepts":[{"id":"https://openalex.org/C144133560","wikidata":"https://www.wikidata.org/wiki/Q4830453","display_name":"Business","level":0,"score":0.7041000127792358},{"id":"https://openalex.org/C71052197","wikidata":"https://www.wikidata.org/wiki/Q2914495","display_name":"Electronic funds transfer","level":3,"score":0.666700005531311},{"id":"https://openalex.org/C2779029474","wikidata":"https://www.wikidata.org/wiki/Q49094488","display_name":"Legal certainty","level":2,"score":0.6150000095367432},{"id":"https://openalex.org/C2779962950","wikidata":"https://www.wikidata.org/wiki/Q5659376","display_name":"Harmonization","level":2,"score":0.5813999772071838},{"id":"https://openalex.org/C44725695","wikidata":"https://www.wikidata.org/wiki/Q288156","display_name":"Normative","level":2,"score":0.555400013923645},{"id":"https://openalex.org/C158129432","wikidata":"https://www.wikidata.org/wiki/Q7766927","display_name":"Statutory law","level":2,"score":0.5515999794006348},{"id":"https://openalex.org/C75949130","wikidata":"https://www.wikidata.org/wiki/Q848010","display_name":"Database transaction","level":2,"score":0.5002999901771545},{"id":"https://openalex.org/C522695570","wikidata":"https://www.wikidata.org/wiki/Q6517578","display_name":"Legal research","level":2,"score":0.48019999265670776},{"id":"https://openalex.org/C190253527","wikidata":"https://www.wikidata.org/wiki/Q295354","display_name":"Law and economics","level":1,"score":0.4027999937534332},{"id":"https://openalex.org/C38652104","wikidata":"https://www.wikidata.org/wiki/Q3510521","display_name":"Computer security","level":1,"score":0.37560001015663147},{"id":"https://openalex.org/C164516710","wikidata":"https://www.wikidata.org/wiki/Q1166072","display_name":"Financial transaction","level":3,"score":0.3407999873161316},{"id":"https://openalex.org/C69360830","wikidata":"https://www.wikidata.org/wiki/Q1172237","display_name":"Data Protection Act 1998","level":2,"score":0.334199994802475},{"id":"https://openalex.org/C14224292","wikidata":"https://www.wikidata.org/wiki/Q13600188","display_name":"Conceptual framework","level":2,"score":0.3310000002384186},{"id":"https://openalex.org/C112930515","wikidata":"https://www.wikidata.org/wiki/Q4389547","display_name":"Risk analysis (engineering)","level":1,"score":0.3138999938964844},{"id":"https://openalex.org/C121955636","wikidata":"https://www.wikidata.org/wiki/Q4116214","display_name":"Accounting","level":1,"score":0.31380000710487366},{"id":"https://openalex.org/C108827166","wikidata":"https://www.wikidata.org/wiki/Q175975","display_name":"Internet privacy","level":1,"score":0.28630000352859497},{"id":"https://openalex.org/C121017731","wikidata":"https://www.wikidata.org/wiki/Q11661","display_name":"Information technology","level":2,"score":0.26429998874664307},{"id":"https://openalex.org/C2777351106","wikidata":"https://www.wikidata.org/wiki/Q49371","display_name":"Legislation","level":2,"score":0.2630000114440918},{"id":"https://openalex.org/C122941539","wikidata":"https://www.wikidata.org/wiki/Q10836209","display_name":"Electronic money","level":3,"score":0.260699987411499},{"id":"https://openalex.org/C167529545","wikidata":"https://www.wikidata.org/wiki/Q274758","display_name":"Public key certificate","level":4,"score":0.2563999891281128},{"id":"https://openalex.org/C98965940","wikidata":"https://www.wikidata.org/wiki/Q877496","display_name":"Transaction cost","level":2,"score":0.2515999972820282}],"mesh":[],"locations_count":1,"locations":[{"id":"doi:10.47191/ijsshr/v9-i11-07","doi":"https://doi.org/10.47191/ijsshr/v9-i11-07","is_oa":true,"landing_page_url":"https://doi.org/10.47191/ijsshr/v9-i11-07","pdf_url":"https://ijsshr.in/v9i11/Doc/7.pdf","source":{"id":"https://openalex.org/S4210180292","display_name":"International Journal of Social Science and Human Research","issn_l":"2644-0679","issn":["2644-0679","2644-0695"],"is_oa":false,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":null,"host_organization_name":null,"host_organization_lineage":[],"host_organization_lineage_names":[],"type":"journal"},"license":"cc-by-nc","license_id":"https://openalex.org/licenses/cc-by-nc","version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"International Journal of Social Science and Human Research","raw_type":"journal-article"}],"best_oa_location":{"id":"doi:10.47191/ijsshr/v9-i11-07","doi":"https://doi.org/10.47191/ijsshr/v9-i11-07","is_oa":true,"landing_page_url":"https://doi.org/10.47191/ijsshr/v9-i11-07","pdf_url":"https://ijsshr.in/v9i11/Doc/7.pdf","source":{"id":"https://openalex.org/S4210180292","display_name":"International Journal of Social Science and Human Research","issn_l":"2644-0679","issn":["2644-0679","2644-0695"],"is_oa":false,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":null,"host_organization_name":null,"host_organization_lineage":[],"host_organization_lineage_names":[],"type":"journal"},"license":"cc-by-nc","license_id":"https://openalex.org/licenses/cc-by-nc","version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"International Journal of Social Science and Human Research","raw_type":"journal-article"},"sustainable_development_goals":[{"id":"https://metadata.un.org/sdg/16","score":0.9379000067710876,"display_name":"Peace, justice, and strong institutions"},{"id":"https://metadata.un.org/sdg/9","score":0.5378999710083008,"display_name":"Industry, innovation and infrastructure"}],"study_designs":[],"awards":[],"funders":[],"has_content":{"pdf":true,"grobid_xml":true},"content_urls":{"pdf":"https://content.openalex.org/works/W7225398335.pdf","grobid_xml":"https://content.openalex.org/works/W7225398335.grobid-xml"},"referenced_works_count":0,"referenced_works":[],"related_works":["https://openalex.org/W1603915351","https://openalex.org/W2254061532","https://openalex.org/W7219812717","https://openalex.org/W7215196248","https://openalex.org/W7219283849","https://openalex.org/W7220314906","https://openalex.org/W7216306597","https://openalex.org/W7220173322","https://openalex.org/W2102628922","https://openalex.org/W4411117479"],"abstract_inverted_index":{"The":[0],"rapid":[1],"development":[2],"of":[3,16,43,94,107],"information":[4],"and":[5,31,53,74,92,104,111,126,137,143,153],"communication":[6],"technology":[7],"has":[8],"transformed":[9],"financial":[10,158],"transaction":[11],"systems":[12],"through":[13],"the":[14,44,102,129],"implementation":[15,58],"Electronic":[17],"Fund":[18],"Transfer":[19],"(EFT).":[20],"This":[21,97],"system":[22,70],"enables":[23],"fund":[24],"transfers":[25],"to":[26,67,100,149],"be":[27],"conducted":[28],"quickly,":[29],"efficiently,":[30],"in":[32,109,156],"real":[33],"time":[34],"without":[35],"direct":[36],"physical":[37],"interaction.":[38],"As":[39],"an":[40],"essential":[41],"component":[42],"digital":[45,49,157],"economy,":[46],"EFT":[47,108],"supports":[48],"banking,":[50],"fintech":[51],"services,":[52],"e-commerce":[54],"transactions.":[55,159],"However,":[56],"its":[57,117],"also":[59],"creates":[60],"various":[61],"legal":[62,72,105,113,145,151],"challenges,":[63],"including":[64],"issues":[65,114],"related":[66],"data":[68],"security,":[69],"reliability,":[71],"liability,":[73],"consumer":[75],"protection.":[76],"Risks":[77],"may":[78],"arise":[79],"from":[80,116],"technical":[81],"failures":[82],"as":[83,85,88],"well":[84],"cybercrimes":[86],"such":[87],"fraud,":[89],"unauthorized":[90],"access,":[91],"misuse":[93],"personal":[95],"data.":[96],"study":[98,130],"aims":[99],"analyze":[101],"concept":[103],"framework":[106],"Indonesia":[110],"identify":[112],"arising":[115],"implementation.":[118],"Using":[119],"a":[120],"normative":[121],"juridical":[122],"method":[123],"with":[124],"statutory":[125],"conceptual":[127],"approaches,":[128],"finds":[131],"that":[132],"existing":[133],"regulations":[134],"remain":[135],"fragmented":[136],"insufficiently":[138],"integrated.":[139],"Therefore,":[140],"regulatory":[141],"harmonization":[142],"stronger":[144],"protection":[146],"are":[147],"needed":[148],"ensure":[150],"certainty":[152],"public":[154],"trust":[155]},"counts_by_year":[],"updated_date":"2026-11-10T11:39:43.021295","created_date":"2026-11-07T00:00:00"}