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I Gusti Agung Mas Rwa Jayantiari, I Gusti Agung
Fakultas Hukum Universitas Udayana
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Journal : West Science Interdisciplinary Studies

 1 
Legal Protection for Depositor Customers in Digital Banks Against Cyber Crimes in the Banking Sector Br. Tarigan, Agita Justisia; Rwa Jayantiari, I Gusti Agung Mas
West Science Interdisciplinary Studies Vol. 3 No. 03 (2025): West Science Interdisciplinary Studies
Publisher : Westscience Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58812/vjcwaf87

Abstract

The full use of technology in running a digital bank makes things easier for customers but is vulnerable to cybercrime in the banking sector which can harm customers. This research places the main focus on forms of legal protection efforts for customers who deposit at digital banks against the occurrence of cybercrime in the banking sector. Legal problems, namely regarding the legal relationship between deposit customers and digital banks in banking sector cyber crime issues as well as legal protection efforts for deposit customers in digital banks in banking sector cyber crime issues. The type of research applied is normative legal research using statutory, conceptual and analytical approaches to examine the problems discussed. The research results show that the legal relationship between digital banks and customers who deposit funds is a relationship of trust (fiduciary relationship) contained in the funds deposit agreement. Legal protection for deposit customers in cases of cyber crime includes: 1) Preventive legal protection in the form of preventing losses for deposit customers in accordance with the provisions of the Banking Law, POJK Number 12/POJK.03/2018, as well as related legal instruments; and 2) Repressive legal protection in the form of dispute resolution efforts which can be implemented in 2 (two) ways, namely Non-Litigation and Litigation dispute resolution. Efforts to resolve non-litigation disputes, namely: 1) Making a complaint to PUJK; 2) Make a complaint to the OJK. Meanwhile, the litigation effort is to file a civil lawsuit.
Co-Authors ., Marthin Aartje Tehupeiory, Aartje Adyota, Adyota Anak Agung Gde Oka Parwata Anak Agung Gede Mayun Trisna Putra Anak Agung Sagung Ngurah Indradewi Anak Agung Sri Indrawati Arjawa, I Gst Pt Bagus Suka Artha, I Gede Yoga Br. Tarigan, Agita Justisia Bustami, Simona Desak Putu Dewi Kasih Diane Prihastuti Dominikus Rato Elfrida Ratnawati Gandi Aditya, Ida Bagus Nyoman I G. A Bagus Agastya Pradnyana I G. A. Tirta Sari Dewi I Gde Anriz Madha I Gede Hadi Susena, I Gede I Gede Yusa I Gst. Pt. Bagus Suka Arjawa I Gusti Ngurah Bayu Pradiva I Gusti Ngurah Dharma Laksana I Kadek Adhi Jana Wiguna I Made Cahya Pujawan I Made Hendra Gunawan I Made Sarjana I N. Wita I Nyoman Prabu Buana Rumiartha, I Nyoman Prabu Buana I Nyoman Widiarta Ida Ayu Nadya Putri Indirasuari Ida Bagus Putra Atmadja Indra Wirajaya, Pande Putu Jay Maulana K. Wirta Griadhi Kadek Denyk Rizky Nugroho Kumala, Ida Ayu Ratna Luh Dita Yanti Luh Nyoman Alit Aryani, Luh Nyoman Alit Maria T.Geme Marwanto Marwanto, Marwanto Mohammad Jamin Muharamah, Tania Ni Luh Dewi Sundariwati Ni Luh Putu Eka Widiantari Ni Luh Sukma Imagy Ni Made Rai Manik Galih Sari NI NYOMAN SUKERTI . Ni Putu Mirayanthi Utami Ni Wayan Eka Rusmegayani Nur, Abdul Rahman NYOMAN MAS ARYANI Nyoman Satyayudha Dananjaya Pebry Dirgantara, Pebry Pradnyadewi, Ida Ayu Putu Kurnia Putu Ulandari Sri Lestari Resae Novita Sagung Putri M. E. Purwani Sagung Putri ME Purwani Sri Warjiyati St. Laksanto Utomo Suadiana Putra, I Nyoman Elga Suyanto . Trisia, Marlisa Ayu Werdhi Wahari, Ni Putu Diah Anjeni Yulia .