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All Journal Veritas et Justitia JISIP: Jurnal Ilmu Sosial dan Pendidikan
Sitorus, Hany Ayunda Mernisi
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Arts Humanities Education Law, Crime, Criminology & Criminal Justice Social Sciences

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RE-EVALUASI PENDIRIAN BANK DIGITAL DI INDONESIA: PARADIGMA, KONSEP DAN REGULASI Dewantara, Reka; Sitorus, Hany Ayunda Mernisi
Veritas et Justitia Vol. 8 No. 2 (2022): Veritas et Justitia
Publisher : Faculty of Law, Parahyangan Catholic University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.25123/vej.v8i2.5433

Abstract

The Financial Services Authority, anticipating the movement towards digital (bank 5.0), issued Regulation no. 12/POJK.03/2021 concerning Commercial Banks. However, its coverage is limited. It covers only rules on how to establish and manage digital branches of existing banks. Not yet available are special arrangements for the establishment of digital commercial banks or neo-banks. This paper discusses the possibility of establishing digital banks in Indonesia. By perusing the prevailing laws and regulations, and re-evaluate what exist, the author reached the conclusion that the Bank Law should be changed to accommodate this new trend. The prevailing OJK regulation apparently does not suffice as the legal basis for the establishment and operation of digital system of the Bank-Ied model, the Telco-Ied Model or the Hybrid Model, or neo-bank. In addition, adequate arrangements are needed regarding online dispute resolution, and imposition of sanctions.
RE-EVALUASI PENDIRIAN BANK DIGITAL DI INDONESIA: PARADIGMA, KONSEP DAN REGULASI Dewantara, Reka; Sitorus, Hany Ayunda Mernisi
Veritas et Justitia Vol. 8 No. 2 (2022): Veritas et Justitia
Publisher : Faculty of Law, Parahyangan Catholic University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.25123/vej.v8i2.5433

Abstract

The Financial Services Authority, anticipating the movement towards digital (bank 5.0), issued Regulation no. 12/POJK.03/2021 concerning Commercial Banks. However, its coverage is limited. It covers only rules on how to establish and manage digital branches of existing banks. Not yet available are special arrangements for the establishment of digital commercial banks or neo-banks. This paper discusses the possibility of establishing digital banks in Indonesia. By perusing the prevailing laws and regulations, and re-evaluate what exist, the author reached the conclusion that the Bank Law should be changed to accommodate this new trend. The prevailing OJK regulation apparently does not suffice as the legal basis for the establishment and operation of digital system of the Bank-Ied model, the Telco-Ied Model or the Hybrid Model, or neo-bank. In addition, adequate arrangements are needed regarding online dispute resolution, and imposition of sanctions.
PERLINDUNGAN HUKUM TERHADAP NASABAH ATAS FRAUD PADA TRANSAKSI BANK DIGITAL Sitorus, Hany Ayunda Mernisi
JISIP: Jurnal Ilmu Sosial dan Pendidikan Vol 7, No 1 (2023): JISIP (Jurnal Ilmu Sosial dan Pendidikan) (Januari)
Publisher : Lembaga Penelitian dan Pendidikan (LPP) Mandala

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58258/jisip.v7i1.4428

Abstract

Perkembangan teknologi pada Era digitalisasi mendorong dunia sektor jasa keuangan untuk turut mendigitalisasi sistem perbankan konvensionalnya menjadi digital, dimana lahirnya berbagai Bank Digital yang bergantung kepada teknologi informasi pula yang menjadi sebab banyaknya fraud yang terjadi dan menyebabkan timbulnya kasus kerugian yang dialami oleh nasabah sehingga perlu di atur regulasi tentang perlindungan hukum terhadap nasabah atas fraud tersebut dan bentuk pengawasan pada tingkat kelayakan dan keamanan produk dan/atau layanan pada aktivitas transaksi Bank Digital serta bentuk Kepatuhan yang wajib ditaati oleh Bank Digital sebagai penyelenggara. Penelitian ini menggunakan metode deskriptif-analitis terhadap fenomena dan peraturan perundang-undangan yang berlaku serta dengan melakukan wawancara langsung terhadap otoritas yang berwenang pada Sektor Jasa Keuangan. Dimana sistem perlindungan hukum yang diatur adalah dengan memperhatikan aspek risiko elektronik dan penerapan pengelolaan yang meliputi tahapan Pencegahan, Deteksi dan Penanganan, serta Pemantauan. Pemantauan dengan berpedoman pada bentuk pengawasan terhadap kelayakan produk dan/atau Layanan aktivitas transaski Bank Digital yang dilakukan oleh Otoritas yang berwenang pada Sektor Jasa Keuangan dimana efektivitas perlindungan dan pengawasan dapat berlaku dengan adanya kepatuhan (Compliance) oleh Bank Digital terhadap berbagai ketentuan yang diberlakukan oleh Bank Digital.
Co-Authors Reka Dewantara