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Agustianto Agustianto, Agustianto
Universitas Internasional Batam
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The Legal Responsibility of Bank Central Asia for the Protection of Customer’s Personal Data in Cases of Misuse by Third Parties Fernando, Fernando; Agustianto, Agustianto
Conference on Business, Social Sciences and Technology (CoNeScINTech) Vol. 5 No. 1 (2025): Conference on Business, Social Sciences and Technology (CoNeScINTech)
Publisher : Lembaga Penelitian dan Pengabdian kepada Masyarakat

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37253/conescintech.v5i1.10570

Abstract

The advancement of technology in the digital era has significantly impacted various sectors, including banking, particularly in the management and protection of customers' personal data. Banks are legally and ethically responsible for safeguarding the personal information entrusted to them. This study aims to analyze the legal protection and liability of Bank Central Asia (BCA) in cases involving the misuse of customer personal data by third parties. The research is grounded in an empirical legal approach, supported by statutory analysis. It examines key regulations in Indonesia, including Law No. 27 of 2022 on Personal Data Protection, OJK Regulation No. 44 of 2024 on Bank Secrecy, Law No. 1 of 2024 in conjunction with Law No. 11 of 2008 on Electronic Information and Transactions, among others. The study explores the extent of bank obligations, customers’ legal remedies in the event of data breaches, and institutional accountability. Field data were collected through interviews and case analysis involving banking practices and third-party collaborations. The findings indicate that while the regulatory framework provides a solid foundation, gaps remain in enforcement and monitoring mechanisms, especially in third-party partnerships. The study emphasizes the need for stricter regulatory implementation, enhanced legal literacy among customers regarding their data privacy rights, and improved institutional oversight to ensure more effective protection of personal data in the digital banking landscape.
Co-Authors Actika Actika Agustini, Shenti Alfis Setyawan Angelina Julia Renaldi Angelyn, Angelyn Anjani, Indra Afgha Arwin Samuel Averina Zoraya Ayunda, Rahmi Bago, Ester Intensis Birul Walidaini Carrolyn Febrianti Celine Tio Celvian Celvian Dicky Ananta Huns Disemadi, Hari Sutra Djahwasi, Herry Rizal Eghie Mulyadi Purba Elza Syarief, Elza Eny Eny Farahdina, Farahdina Febriyani, Emiliya Fenny Royentricia Fernando Fernando, Fernando Fitri, Winda Friska Laurika Munthe Fu'adi, Fu'adi Grace Onggradini Hendra Hendra Hengky Lau Heni Kusumawati Hennie Selviani Henry Soelistyo Budi, Henry Soelistyo Hutauruk, Rufinus Hotmaulana Indah Waty Irawati, Jovita Jaya, Febri Jocelyn Marvella Johnson Wijaya Jollyn Jollyn Kellyn Kellyn Kristina Dwi Putri Lau, Jonathan Lisa Teo Lu Sudirman Lyvia Lyvia M.Arif Rivady Mawarni Mawarni Meri Yanti Murtiono, Hendro Nadila Agatha Fristy Nurlaily NURLAILY, NURLAILY Oda Ignatius Besar Hariyanto, Oda Ignatius Besar Olinda Viviani Paolo Tandiono Puteri Ariesta Nadia Putri, Kristina Dwi Ramadhan, Muhammad Tri Andika Richmond Richmond Ronaldo Calvin Pua Rusdiana, Shelvi Selina Selina Setiawan, Marthalia Sheren Angelina Sihombing, Dame Afrina Sinambela, Fitriana Aidnilla Siregar, Abigael Hosanna Situmeang, Ampuan Sofia Sofia, Sofia Sohheng, Nipon Sovina Sovina Sritanto, Sritanto Suryati Suryati Suryati Suryati Tan, David Tan, Winsherly Tantimin, Tantimin Tivonli Kirtan Tomi Suhendra Pardede Tomi Vincent Tracy Tay Trinh, Hien Trisetyo, Muhammad Dhimas Vito Vito Willsen Austin Windi Afdal, Windi Yeny Sartika Yunike Juniarti Fitria