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All Journal JURNAL LITIGASI (e-Journal) Pendas : Jurnah Ilmiah Pendidikan Dasar JURNAL ILMIAH ADVOKASI SIGn Jurnal Hukum CIVITAS (JURNAL PEMBELAJARAN DAN ILMU CIVIC) Community Development Journal: Jurnal Pengabdian Masyarakat Budapest International Research and Critics Institute-Journal (BIRCI-Journal): Humanities and Social Sciences International Journal of Educational Research and Social Sciences (IJERSC) Jurnal Pendidikan dan Pembelajaran Indonesia (JPPI) Journal of Social Research International Journal of Humanities Education and Social Sciences IKA BINA EN PABOLO : PENGABDIAN KEPADA MASYARAKAT Journal of Law, Poliitic and Humanities International Journal of Science and Environment Enrichment: Journal of Multidisciplinary Research and Development Jurnal Penelitian Pendidikan Indonesia
Siregar, Risdalina
Fakultas Hukum, Universitas Labuhanbatu
Religion Aerospace Engineering Agriculture, Biological Sciences & Forestry Arts Humanities Biochemistry, Genetics & Molecular Biology Chemical Engineering, Chemistry & Bioengineering Chemistry Computer Science & IT Economics, Econometrics & Finance Education Engineering Environmental Science Health Professions Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Mathematics Physics Public Health Social Sciences Other

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Journal : JURNAL LITIGASI (e-Journal)

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UNCOVERING LEGAL GAPS IN DIGITAL BANKING: CUSTOMER PROTECTION AND BANK ACCOUNTABILITY IN INDONESIA Sriono; Risdalina; Kusno; Kumalasari M, Indra; Syahyunan, Hengki
LITIGASI Vol. 25 No. 2 (2024)
Publisher : Faculty of Law, Universitas Pasundan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.23969/litigasi.v25i2.18538

Abstract

The rapid growth of digital banking in Indonesia has necessitated robust legal frameworks to protect digital bank users. This study examines the legal protection available to digital bank customers, focusing on the confidentiality of personal data and the responsibilities of banks under Indonesian law. Utilizing a normative juridical research method, the study relies on library research and an analysis of relevant laws and regulations. The findings reveal that the current legal framework for safeguarding the confidentiality of bank customer data in Indonesia is fragmented and lacks a unified regulatory approach. Legal protection remains incomplete, as it relies on the interplay of multiple regulations without offering comprehensive safeguards. Moreover, the existing mechanisms for addressing breaches of data confidentiality place responsibility primarily on banks, with criminal and administrative liabilities serving as the main avenues for recourse. The novelty of this research lies in its critical evaluation of the gaps in Indonesia's regulatory landscape concerning digital banking, highlighting the need for a cohesive legal framework to ensure stronger protections for customer data. This study contributes to the discourse on digital banking regulation by providing a nuanced understanding of the challenges in safeguarding customer data in Indonesia. It offers valuable insights for policymakers, legal practitioners, and financial institutions in enhancing data protection measures and fostering trust in digital banking.
Co-Authors Abd. Hakim Abdul Hakim Abdul Hakim Abdul Hakim Abdul Hakim Ahmad Ansyari Siregar Ahmad Ansyari Siregar Ahmad Badawi harahap Ahmad Hariandi Ahmad MAULANA Ali Djamhuri Amarullah Siregar Amri, Helmika Suradi Armando, Fadli Bernat Panjaitan Bernat Panjaitan Bernat Panjaitan Bernat Panjaitan Butar-Butar, Kornelius Danu, Herman Daud Yusuf Simanjuntak Dewi Patima Hutagalung Dona Antonio Eko Kuntarto Elviana Sagala Elviana Sagala Fajri, Agus Fatria Dewi Febri Kurniawan Febriyanti Irzansyah Fiqri Maulana, Aldo Firmansyah Firmansyah Fisheri Nasution, Fajar Gunawan Nasution, Sakti Gusria Amara Haziratul, Haziratul Qudsya Hefa Ruspita Hengki Syahyunan Indra Kumala Sari M Indra Kumala Sari M Indra Kumala Sari Munthe Indra Kumalasari M Indra Kumalasari M Indra Kumalasari M. Irma Shintia Kumaralo Junus, Nasran Khairani Amalia Tambunan Khoirul Ritonga, Muhammad Kumalasari M, Indra Kumalasari Munthe, Indra Kumalasari, Indra Kusno Kusno Kusno Kusno Kusno Kusno Kusno Kusno Kusno Kusno Kusno Lia Fazira Lisa Ayu Ningsih M, Indra Kumalasari Maulana Putra Maya Jannah Maya Jannah Maya Jannah Muhammad Fadlan Muhammad Faisal Muhammad Fauzan Hasibuan Muhammad Muiz Hariansyah Hasibuan Muhammad Rizkiyawan Rafiyanto Muhammad Yusuf Siregar Muhammad Yusuf Siregar Muhammad Yusuf Siregar Mukhsin Juniardo Siregar Munthe, Indra Kumalasari Nimrot Siahaan Nimrot Siahaan Nisak, Khairun Panjaitan, Bernat Parlindungan Siregar Poriaman Poriaman Poriaman, Poriaman Pratama Sitepu, Edi Prihartono Prihartono Purba, Didin Alberto Rahmad Ramadhan Ramadhan Pery, Rizki Rambe, Sapani Martua Retni Ayu Syafitri Riki Afri Rizki Rio Pradana, Wahyu Ritonga, Muhammad Khoirul Sahala Pardamean Harahap Santi Rambe SAPUTRA, RYAN Sidabutar, Alcapon Sigit Ardiansyah Sinaga, Dini Febrianti Br Siregar, Kaharuddin Siregar, Putri Habibah Sopian Sopian Sri Mutiah Ulfa Sriono, Sriono Tambunan, Haris Nixon Tampubolon, Lorent Tondi Rivaldi Munthe Wahyu Simon Tampubolon Wahyu Simon Tampubolon Yantoro, Yantoro Yusnaidar Yusnaidar Zainal Abidin Pakpahan Zuwena Apdolipah