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All Journal Journal of Judicial Review Journal Evidence Of Law
Vallencia Nandya Paramitha
Universitas Dr. Soetomo, Indonesia
Humanities Law, Crime, Criminology & Criminal Justice

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Legal Protection for Banking Customers Against Personal Data Breaches in Open Banking Services in Indonesia Aliyah Pratiwi Hatta; Subekti Subekti; Muhamad Yustina Ariwibawa; Vallencia Nandya Paramitha
Journal of Judicial Review Vol. 28 No. 1 (2026): June 2026 (Articles in Press)
Publisher : Universitas Internasional Batam

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37253/jjr.v28i1.12312

Abstract

The expansion of open banking services improves digital financial connectivity while increasing the risk of personal data breaches across banks, payment service providers, and collaborating entities. This study analyzes the legal protection available to banking customers in Indonesia and formulates an accountability model for incidents involving multiple actors. It employs normative legal research with doctrinal, statutory, conceptual, and analytical approaches. Primary and secondary legal materials were collected through document study and examined qualitatively through legal interpretation, norm synchronization, and prescriptive analysis. The findings show that Indonesia has established preventive safeguards through personal data protection law, financial consumer protection rules, electronic system governance, cybersecurity standards, and the National Standard for Open Application Programming Interface Payments. However, responsibilities remain distributed across regulatory regimes, creating uncertainty after a breach. This study proposes an integrated accountability and redress model based on functional role classification, limited data access, partner supervision, coordinated notification, a single-entry complaint mechanism, evidence preservation, and proportionate remediation. The study recommends a coordinated protocol involving Bank Indonesia, the Financial Services Authority, and the personal data protection supervisory institution. Future research should evaluate its implementation within banking institutions and digital payment ecosystems. It also identifies priorities for cross-border processing and customer-facing consent management.
Pengaruh Penggunaan Media Sosial Terhadap Peningkatan Tindak Pidana Kejahatan Siber (Cyber) di Kota Balikpapan Andi Syadi Pratama Putra; Vieta Imelda Cornelis; Fathul Hamdani; Vallencia Nandya Paramitha
Journal Evidence Of Law Vol. 4 No. 3 (2025): Journal Evidence Of Law (Desember)
Publisher : CV. Era Digital Nusantara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59066/jel.v4i3.2115

Abstract

Perkembangan media sosial sebagai ruang interaksi digital telah membawa implikasi hukum yang signifikan, khususnya terkait meningkatnya tindak pidana kejahatan siber. Intensitas penggunaan media sosial yang tinggi di wilayah perkotaan, termasuk Kota Balikpapan, tidak selalu diimbangi dengan literasi digital dan kesadaran hukum yang memadai. Kondisi ini menciptakan kerentanan struktural yang dimanfaatkan pelaku kejahatan siber melalui berbagai modus, seperti penipuan daring, penyalahgunaan identitas, dan peretasan akun. Urgensi penelitian ini terletak pada kebutuhan akan kajian empiris berbasis wilayah yang mampu menjelaskan relasi antara penggunaan media sosial, pola kejahatan siber, dan efektivitas penegakan hukum di tingkat lokal. Penelitian ini bertujuan untuk menganalisis pengaruh media sosial terhadap peningkatan kejahatan siber di Kota Balikpapan serta mengidentifikasi kendala penegakan hukum yang dihadapi aparat. Pertanyaan utama yang ingin dijawab adalah bagaimana media sosial berkontribusi terhadap terjadinya kejahatan siber dan sejauh mana sistem hukum mampu merespons fenomena tersebut. Penelitian ini menggunakan desain penelitian hukum empiris dengan pendekatan kualitatif. Data dikumpulkan melalui wawancara mendalam dengan aparat penegak hukum, pemangku kepentingan terkait, dan pengguna media sosial, serta didukung oleh observasi dan studi dokumentasi. Hasil penelitian menunjukkan bahwa media sosial berperan signifikan dalam membentuk pola kejahatan siber melalui mekanisme interaksi sosial digital dan rendahnya pengawasan. Temuan juga mengungkap adanya keterbatasan kapasitas penegakan hukum, khususnya dalam pembuktian digital dan literasi siber. Penelitian ini berkontribusi pada penguatan pemahaman teoretis dan praktis mengenai kejahatan siber berbasis media sosial. Kesimpulan penelitian menegaskan perlunya pendekatan hukum yang adaptif, penguatan literasi digital, dan kolaborasi lintas sektor. Penelitian selanjutnya disarankan untuk mengembangkan pendekatan kuantitatif atau komparatif lintas wilayah guna memperkaya analisis empiris.
Implikasi Hukum Pengaturan Ketenagakerjaan Terhadap Penggunaan Tenaga Kerja Luar Daerah Berkahlian Khusus pada Perusahaan Migas di Balikpapan Jeslyn Josephine Seven Jon; Dudik Djaja Sidarta; Vallencia Nandya Paramitha; Fitri Ayuningtiyas
Journal Evidence Of Law Vol. 4 No. 3 (2025): Journal Evidence Of Law (Desember)
Publisher : CV. Era Digital Nusantara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59066/jel.v4i3.2117

Abstract

Balikpapan City, as the national centre for the oil and gas industry, has a complex labour market dynamics due to the high demand for skilled workers. Balikpapan City Regulation No. 5 of 2023 on Labour Management serves as a legal instrument to regulate the proportion of local and non-local workers, particularly in the oil and gas sector, with the aim of enhancing the empowerment of local workers. This study aims to answer two main questions: (1) what forms of supervision and sanctions are imposed on oil and gas companies that fail to comply with the regional regulation, and (2) what are the legal implications for the use of non-local labour. The research method used is normative legal research with a statutory approach and a conceptual approach. Data was obtained from primary, secondary, and tertiary legal sources through literature review, then analysed qualitatively using deductive logic to connect legal norms and field practices. The research findings indicate that oversight of local regulation implementation still faces challenges, such as limited oversight resources, inconsistencies between regional and national regulations, and low reporting consistency by companies. The sanctions stipulated are administrative in nature, but their implementation has not been optimal. Legally, local regulations provide legitimacy for local governments to regulate local labour priorities, but they have the potential to cause conflicts with central regulations related to equal employment opportunities. In conclusion, the effectiveness of local regulations is highly dependent on strengthening supervision, harmonising regulations, and improving the competence of local workers through training and certification. Further research is recommended to examine an integrated oversight model that integrates the roles of government, companies, and society in ensuring the protection of local labour in strategic sectors.
Legal Protection for Banking Customers Against Personal Data Breaches in Open Banking Services in Indonesia Aliyah Pratiwi Hatta; Subekti Subekti; Muhamad Yustina Ariwibawa; Vallencia Nandya Paramitha
Journal of Judicial Review Vol. 28 No. 1 (2026): June 2026
Publisher : Universitas Internasional Batam

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37253/jjr.v28i1.12312

Abstract

The expansion of open banking services improves digital financial connectivity while increasing the risk of personal data breaches across banks, payment service providers, and collaborating entities. This study analyzes the legal protection available to banking customers in Indonesia and formulates an accountability model for incidents involving multiple actors. It employs normative legal research with doctrinal, statutory, conceptual, and analytical approaches. Primary and secondary legal materials were collected through document study and examined qualitatively through legal interpretation, norm synchronization, and prescriptive analysis. The findings show that Indonesia has established preventive safeguards through personal data protection law, financial consumer protection rules, electronic system governance, cybersecurity standards, and the National Standard for Open Application Programming Interface Payments. However, responsibilities remain distributed across regulatory regimes, creating uncertainty after a breach. This study proposes an integrated accountability and redress model based on functional role classification, limited data access, partner supervision, coordinated notification, a single-entry complaint mechanism, evidence preservation, and proportionate remediation. The study recommends a coordinated protocol involving Bank Indonesia, the Financial Services Authority, and the personal data protection supervisory institution. Future research should evaluate its implementation within banking institutions and digital payment ecosystems. It also identifies priorities for cross-border processing and customer-facing consent management.
Co-Authors Aliyah Pratiwi Hatta Andi Syadi Pratama Putra Dudik Djaja Sidarta Fathul Hamdani Fitri Ayuningtiyas Jeslyn Josephine Seven Jon Muhamad Yustina Ariwibawa Subekti Subekti Vieta Imelda Cornelis