This study aims to understand the responsibility of issuers of Unregistered
electronic money to the loss of balances on users of Unregistered electronic money
cards as technology advances in the field of payments. This research was conducted
by interviewing publishers as well as analyzing the legislation on the responsibility
of unregistered electronic money issuers. The result of this study is that the issuer
is still responsible for the loss of balance on the Unregistered electronic money card
as long as it is not the negligence of the user himself. The responsibility of the bank
itself as the issuer is to provide solutions to the obstacles and complaints
experienced by consumer. The bank as the issuer and business actors are also
responsible for refunding or canceling transactions if the electronic money card is
still held by the Consumer.