Administrative Supervision Of Cashless Only Policies And Refusal Of Cash Payments For Elderly Consumers In Palembang City Shopping Centers

Abstract

Digital payments encourage cashless-only policies that may restrict elderly consumers. This empirical legal study, supported by a normative approach, uses interviews with eight elderly consumers, three companions, BPSK and Trade Office informants and field observations. Cash refusal delays or cancels transactions and increases elderly dependence. The Rupiah remains legal tender. Preventive, direct, indirect and corrective supervision is constrained by digital literacy, limited complaints and weak coordination. Cashless-only policies therefore require elderly-friendly payment alternatives.