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All Journal Yustisia Jambura Law Review
Umi Khaerah Pati
Faculty of Law, Universitas Sebelas Maret
Law, Crime, Criminology & Criminal Justice Social Sciences

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LEGAL PROTECTION FOR THE LOSS OF THE PASSENGER OF ONLINE TRANSPORTATION Pujiyono Pujiyono; Umi Khaerah Pati
Yustisia Vol 8, No 2: August 2019
Publisher : Faculty of Law, Universitas Sebelas Maret

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20961/yustisia.v8i2.34156

Abstract

Online transportation shall provide a security, comfort and safety guarantee for service users, however it is not performed in the application. Service users still havenot guaranteed their rights as consumers. In the case the consumer suffers a loss, itis remain undetermined how compensation may be granted, therefore it demandsan equal legal protection. Facing this condition, Law Number 8 of 1999 on TheConsumer Protection has not yet stipulated slear provision regarding this matter,likewise the online transportation service users and service providers are only boundin limited aspects. The research method of this reasearch is normative legal researchonly focusing on the issues raised, discussed and elaborated with applying  the rulesor norms in positive law, using Statutory Approaches and Conceptual Approaches,with primary and secondary legal materials. The data collection technique used isliterature study. The analysis technique used is the deductive method. The resultsshowed that there was an legal relationship between service users and onlinetransportation service providers. Consumers have the right to get protection in theform of responsibility for information, legal responsibility for services providedand responsibility for security and comfort. However, for the losses suffered, legalprotection for losses incurred by passengers in online transportation mode is still poordue to lack of regulations and the undetermined standard regulations specifically inregulating online transportation modes.
Costumer Explicit Consent Under Indonesian Open Banking Regulations Anis H. Bajrektarevic; Umi Khaerah Pati; Mellisa Towadi; Anugrah Muhtarom Pratama
Jambura Law Review VOLUME 4 NO. 2 JULY 2022
Publisher : Universitas Negeri Gorontalo

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (610.089 KB) | DOI: 10.33756/jlr.v4i2.15377

Abstract

The implementation of GDPR and PSD2 in the EU as well as the PSD2 alignment with GDPR, encourage central banks in various countries including Indonesia to immediately implement an open banking system that also prioritizes privacy data protection. The PDP bill principle of explicit consent must be applied in open banking financial transactions that in Indonesia as stated in the National Standard Open API Payment (SNAP) 2021 (a Technical Standards and Governance Guideline). However, there are some fundamental differences regulated in PSD2 when compared to SNAP which will hinder Indonesia's adequate GDPR. This research is normative research with statutory approach and comparative approach. The results showed that there are some fundamental differences between PSD2 and SNAP, including the parties involved, data portability and the concept of re-consent or re-confirmation which are not regulated in SNAP but regulated in PSD2, for the concept of sensitive data payment, neither SNAP nor PSD2 provide the specific concept, both define it broadly.
Reciprocal Data Portability to Foster Financial Services Competition in the Open Banking System Era Jamal Wiwoho; Umi Khaerah Pati; Anugrah Muhtarom Pratama
Yustisia Vol 13, No 2: August 2024
Publisher : Faculty of Law, Universitas Sebelas Maret

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20961/yustisia.v13i2.75786

Abstract

This article analyzes the feasibility of incorporating reciprocal financial data into Indonesia's open banking system by studying its implementation in the United Kingdom and other countries. The methodology employed is conceptual, statutory, and comparative legal, utilizing data gathered from secondary legal sources. The study discovered that reciprocal data finance could be a supplementary measure to enhance data portability rights. This approach enables banks to provide compensation for access to account data, utilizing the concept of "paying by data". Indonesia should contemplate the adoption of data reciprocity alongside the portability rights outlined in Article 13 of the PDP Law. Subsequently, it can be configured inside the SNAP settings. Before proceeding with this development, it is crucial to establish Open banking in Indonesia by effectively balancing the goals of personal data rights and market competition. This circumstance will encourage Bank Indonesia to collaborate with other regulatory bodies, such as competition authorities, data protection regulators, and sector regulators. Despite potential differences in their objectives, this collaboration is necessary as reciprocal data portability initiatives may involve multiple regulatory domains.
Co-Authors Anis H. Bajrektarevic Anugrah Muhtarom Pratama Jamal Wiwoho Mellisa Towadi Pujiyono Pujiyono Sugeng, Santoso