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All Journal Masalah-Masalah Hukum LAW REFORM Brawijaya Law Journal : Journal of Legal Studies Al-Ihkam: Jurnal Hukum dan Pranata Sosial Lex Scientia Law Review Jambe Law Journal Jambura Law Review Indonesian Journal of Advocacy and Legal Services Journal of Law, Society, and Islamic Civilization Journal of Law and Legal Reform Pandecta : Jurnal Penelitian Ilmu Hukum (Research Law Journal) Indonesian Journal of Advocacy and Legal Services JILS (Journal of Indonesian Legal Studies)
Pati, Umi Khaerah
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Religion Humanities Law, Crime, Criminology & Criminal Justice Social Sciences

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Journal : Jambura Law Review

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Costumer Explicit Consent Under Indonesian Open Banking Regulations Bajrektarevic, Anis H.; Pati, Umi Khaerah; Towadi, Mellisa; Pratama, Anugrah Muhtarom
Jambura Law Review VOLUME 4 NO. 2 JULY 2022
Publisher : Universitas Negeri Gorontalo

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (610.089 KB) | DOI: 10.33756/jlr.v4i2.15377

Abstract

The implementation of GDPR and PSD2 in the EU as well as the PSD2 alignment with GDPR, encourage central banks in various countries including Indonesia to immediately implement an open banking system that also prioritizes privacy data protection. The PDP bill principle of explicit consent must be applied in open banking financial transactions that in Indonesia as stated in the National Standard Open API Payment (SNAP) 2021 (a Technical Standards and Governance Guideline). However, there are some fundamental differences regulated in PSD2 when compared to SNAP which will hinder Indonesia's adequate GDPR. This research is normative research with statutory approach and comparative approach. The results showed that there are some fundamental differences between PSD2 and SNAP, including the parties involved, data portability and the concept of re-consent or re-confirmation which are not regulated in SNAP but regulated in PSD2, for the concept of sensitive data payment, neither SNAP nor PSD2 provide the specific concept, both define it broadly.
Co-Authors Asror, Muhammad Hanif Bajrektarevic, Anis H. Bambang Santoso DARA PUSTIKA SUKMA Dwi Budi Santoso Hendriana, Rani Indrajat, Heri ITOK DWI KURNIAWAN Jamal Wiwoho Kukuh Tejomurti, Kukuh Mellisa Towadi Mohamad, Mohamad Hanapi Bin Pambudi, Lintang Ario PRANOTO Pranoto Pranoto Pratama, Anugrah Muhtarom Pujiyono Pujiyono Setya Wahyudi Tedi Sudrajat Utami, Nurani Ajeng Tri Weda Kupita