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All Journal JUPIIS: Jurnal Pendidikan Ilmu-ilmu Sosial Jurnal Ilmiah Penegakan Hukum JUNCTO: Jurnal Ilmiah Hukum Abdimas Indonesian Journal Priviet Social Sciences Journal Rechtsvinding
Alvin Hamzah Nasution
Universitas Medan Area
Religion Arts Humanities Economics, Econometrics & Finance Education Environmental Science Industrial & Manufacturing Engineering Law, Crime, Criminology & Criminal Justice Social Sciences

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Journal : Rechtsvinding

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The Urgency of Customer Personal Data Protection in Digital Banking Nasution, Alvin Hamzah
Rechtsvinding Vol. 3 No. 1 (2025)
Publisher : Civiliza Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59525/rechtsvinding.v3i1.814

Abstract

The development of digital technology in the financial sector has transformed banking services to be more open, fast, and data-driven. On the other hand, the increasing intensity of processing customers' personal data also poses new challenges related to the protection of privacy rights. This study aims to examine the urgency of legal protection for customers' personal data in Indonesia's digital financial ecosystem. The method used is a normative legal approach with an analysis of regulations such as Law Number 27 of 2022 concerning Personal Data Protection and POJK No. 6/POJK.07/2022. The results of the study show that although Indonesia already has a formal legal framework, its implementation still faces obstacles such as the absence of a data supervisory authority, low digital legal literacy among the public, and weak enforcement of sanctions. Therefore, a holistic approach is needed in the form of strengthening regulations, public education, and harmonization with international standards to guarantee customer rights and build a safe and sustainable digital financial industry.
Legal Regulations for Customer Protection of Financial Products in Indonesia Nasution, Alvin Hamzah
Rechtsvinding Vol. 4 No. 1 (2026)
Publisher : Civiliza Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59525/rechtsvinding.1312

Abstract

The rapid and complex development of the financial services sector in Indonesia has given rise to a variety of financial products with varying characteristics and levels of risk. This situation places customers in a vulnerable position due to information asymmetry, imbalanced bargaining power, and limited understanding of the legal aspects and risks of financial products. Therefore, legal regulations regarding customer protection are a fundamental need to ensure legal certainty, justice, and the protection of customer rights. This article aims to analyze the legal regulations for customer protection for financial products in Indonesia, emphasizing the normative basis, the role of supervisory authorities, and the forms of preventive and repressive legal protection. This research uses a normative legal method with a statutory and conceptual approach. The results show that customer protection has been regulated in various regulations, but its implementation still faces obstacles in terms of financial literacy, law enforcement, and the effectiveness of dispute resolution.
Co-Authors Chairany, Dian Nitha Gani Hadi Surya Sembiring Krisman Antonius Zandroto Kurniati, Agata Marsella Marsella Mhd. Ansor Lubis Montayana Meher Nor Hafijhah Rafiqi Ridho Mubarak Rizkan Zulyadi Shulhan Iqbal Nasution Sihotang, Putri Yunita