PERTANGGUNGJAWABAN PIDANA TERHADAP PENIPUAN KODE QR PALSU DALAM TRANSAKSI ELEKTRONIK (Studi di Polres Kendari)

Abstract

This study investigates the phenomenon of fraud involving counterfeit QR codes in electronic transactions in Indonesia, alongside the associated legal implications and criminal liabilities of the offenders. The implementation of QRIS, developed by Bank Indonesia, has significantly accelerated the digitalization of the national payment system. A comprehensive legal analysis, utilizing the Indonesian Criminal Code (KUHP), the Information and Electronic Transactions Law (UU ITE), and Bank Indonesia regulations, reveals that perpetrators are subject to severe criminal penalties, including imprisonment of up to 12 years, multi-billion rupiah fines, and mandatory restitution to victims. Enforcement challenges include difficulties in identifying offenders due to the use of false identities and accounts, coupled with inadequate public awareness regarding the verification of QR codes prior to transaction execution. This research employs a descriptive-analytical methodology, The study recommends enhanced public education, bolstered digital security technologies, and the revision of pertinent regulations to effectively combat QR code–related fraud. In conclusion, counterfeit QR code fraud poses a significant legal challenge that necessitates coordinated efforts among legislators, law enforcement authorities, and the public to maintain the security and trustworthiness of digital transaction systems.