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Journal : Pena Justisia: Media Komunikasi dan Kajian Hukum

Legal Protection of Customers from Data Theft Through Skimming Sudiarsa, Ketut; Ayu Ngurah Sri Rahayu Gorda, Anak Agung; Agus Kurniawan, I Gede
Pena Justisia: Media Komunikasi dan Kajian Hukum Vol. 24 No. 1 (2025): Pena Justisia
Publisher : Faculty of Law, Universitas Pekalongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31941/pj.v24i2.6681

Abstract

Theft of bank customer money through ATM card duplication (skimming) is one of the banking crimes. This paper is the result of research focusing on the study of legal protection for bank customers due to skimming crimes. This research was conducted with a normative legal approach using a data collection method through a literature study conducted on secondary data. Furthermore, the data analysis method uses analytical descriptive analysis. Meanwhile, the urgency of this research is expected to be a source of reference for banking institutions to make legal protection efforts as well as for law enforcement officers in making efforts to overcome skimming crimes as a concrete form of legal protection for bank customers who are harmed by skimming crimes. Based on the analysis, it was identified that the crime of breaking into customer money using the skimming method is one of the high-tech (cybercrime) crimes in the banking sector. The act is included in the criminal act of information and electronic transactions which prohibits any person intentionally and without rights or against the law from accessing computers and/or electronic systems in any way with the aim of obtaining electronic information and/or electronic documents as regulated in Article 30 paragraph (2) of Law Number 19 of 2016 concerning Amendments to Law Number 11 of 2008 concerning Information and Electronic Transactions (ITE Law). Protection for customers who are victims of skimming crimes can be carried out in the context of criminal law enforcement and civil law enforcement.
Co-Authors AA Sagung Mas Thasyatha Anggitha Putra Agus Ryan Pravanta Amalia Rizky Anak Agung Ayu Ngurah Tini Rusmini Gorda Anggitha Putra, A.A. Sagung Mas Thasyatha Antari, Putu Eva Ditayani Artami, Ida Ayu Ketut Charles Triyono Mula Dea Widya Karisma Ekaresty Haes, Putri Ezzerouali, Souad Ahmed Gorda , A.A.A Ngurah Tini Rusmini Gunawan, Andri Gusi Putu Lestara Permana I Gede Agus Kurniawan I Gede Agus Kurniawan I Gede Putu Agus Wistama Putra I Gusti Agung Ayu Mas Triwulandari I Gusti Ayu Diah Pramesti Dewi I Gusti Bagus Yudas Swastika I Made Chandra Mandira I Made Sudarsana I Made Wirya Darma I Nyoman Gede Murdiana I Nyoman Subanda I Wayan Risky Widnyana I Wayan Sutama I.G.A.AG. Dewi Sucitawathi Pinatih Ida Ayu Oka Martini Ida Ayu Oka Martni Ida Ayu Sadnyini Ida Bagus Teddy Prianthara Kadek Januarsa Adi Sudharma Ketut Partha Cahyadi Ketut Sudiarsa Kurniawan , I Gede Agus Latupeirissa, Jonathan Jacob Paul Luh Mas Putri Pricillia Mahadewi Mantra Mahyuni, Luh Putu Margaretta, Adira Martini, I. A. Oka Ngurah Tini Rusmini Gorda, Anak Agung Ayu Ni Ketut Elly Sutrisni, Ni Ketut Elly Ni Made Indah Corry Andani Ni Putu Dian Puspana Dewi Ni Putu Nina Eka Lestari Nina Eka Lestari, Ni Putu Nurhadi, Wayan Sandhi Putra Pipin Carolina BR Barus Putri, Ni Ketut Lisa Alfina Putri Putri, Ni Luh Putu Mahasuri Harnelia Putu Sri Arta Jaya Kusuma Rai Widiatmika Resti Anggreni Risky Widnyana, I Wayan Sahri Aflah Ramadiansyah Supriyadinatha Gorda, A.A.N. Eddy Suputra, I Dewa Gde Ery Suryadinata Gorda, A.A.N. Oka Tee-anastacio, Princess Alyssa Tu Adi, I Wayan Vaisile Moisa, Robert Widya Hadi Saputra, I Gusti Ngurah Wijaya, Gede Crisna Wulandari, Anggi Yudistia