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This paper aims to describe the effect of changes in the payment system with an electronic wallet to financial activities in Indonesia and to compare the likelihood of losses for the state against transactions using electronic technology companies' electronic wallets to state-owned electronic wallets. The approach to be used is empirical juridical. By using primary data as main data. Based on these data, the analytical method used by processing data, and supported by secondary data through qualitative analysis. Based on the results of this study there are several things, namely, first, the use of electronic wallets has a positive impact in the form of efficiency, and reducing the risk of criminal acts. The risk of the possibility of inflation and rupiah depreciation can only be avoided by following the provisions set by Bank Indonesia and the Financial Services Authority through PBI Number 20/6/2018 regarding Electronic Money. There is a need to increase the ability to compete with SOE electronic wallet applications to minimize the possibility of rupiah depreciation and oversight by financial institutions. Tulisan ini bertujuan untuk menguraikan pengaruh perubahan sistem pembayaran dengan electronic wallet  terhadap kegiatan keuangan di Indonesia serta membandingkan kemungkinan kerugian bagi negara terhadap transaksi menggunakan electronic wallet  milik perusahaan financial technology terhadap electronic wallet milik BUMN. Pendekatan yang akan digunakan adalah yuridis empiris. Dengan menggunakan data primer sebagai data utama. Berdasarkan data tersebut, metode analisis yang digunakan dengan mengolah data, dan didukung dengan data sekunder secara analisis kualitatif. Berdasarkan hasil penelitian ini terdapat beberapa hal yaitu, pertama, penggunaan electronic wallett memberikan dampak positif berupa efisiensi, dan pengurangan resiko terjadinya tindak pindana. Resiko kemungkinan terjadinya inflasi serta pengendapan rupiah hanya dapat dihindari dengan mengikuti ketentuan yang telah diatur oleh Bank Indonesia dan Otoritas Jasa Keuangan melalui PBI Nomor 20/6/2018 tentang Uang Elektronik. Perlu adanya peningkatan kemampuan bersaing aplikasi electronic wallet milik BUMN guna memperkecil kemungkinan pengendapan rupiah serta pwngawasan lebih oleh lembaga keuangan.

university of bengkulu law journal

Pengaruh Electronic Wallet terhadap Kegiatan Keuangan Indonesia (Perbandingan Aplikasi Electronic Wallet Milik Perusahaan Financial Technology terhadap Aplikasi Electronic Wallet Milik BUMN)