ABSTRACT LEGAL PROTECTION OF SYSTEM USERS DIGITAL PAYMENT BASED OVO APPLICATIONS IN PEKANBARU CITY BASED BANK INDONESIA REGULATION NO.18 / 40/2016 ABOUT ORGANIZATION TRANSACTION PROCESSING PAYMENT Ester Widi Hastuti In this information age, consumer behavior began to change a lot. In conducting a transaction, they now prioritize payment systems for ease, flexibility, efficiency and simpli…