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Journal : JURNAL ILMIAH ADVOKASI

PERLINDUNGAN HUKUM BAGI NASABAH ATAS KEHILANGAN SALDO DALAM LAYANAN BANK DIGITAL DI INDONESIA Rahayu, Rica Alivianti; Yulianingsih, Wiwin
Jurnal Ilmiah Advokasi Vol 13, No 4 (2025): Jurnal Ilmiah Advokasi
Publisher : Universitas Labuhanbatu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36987/jiad.v13i4.7576

Abstract

Despite offering conveniences, digital bank services also pose a risk to customers, one of which is loss of balance. This research aims to analyze the forms of losses experienced by customers as well as the legal protection available to customers in cases of balance loss. The method used is normative juridical research with uses normative juridical research through a statutory regulation approach, case approach and conceptual approach. Data is collected through literature study and analyzed descriptively. The research results show that the forms of loss resulting from the loss of customer balances are material losses and immaterial losses, but the bank only provides responsibility in the form of compensation for material losses after a court decision states that the bank must be responsible for its actions. On the other hand, forms of legal protection for customers are provided through preventive and repressive efforts. Preventive protection is provided through statutory regulations and the Bank Agreement. On the other hand, repressive protection is provided through the imposition of sanctions to restore the situation, such as providing compensation to administrative sanctions. This research is expected to contribute to enhancing knowledge of customer rights and encourage a comprehensive regulation and protection mechanism to ensure customer protection.  Keywords: Legal Protection, Customers, and Digital Bank Services
Co-Authors Abiba, Anggela Maulita ADHITYA WIDYA KARTIKA AGUS HARIANTO Ahmad Abdullah Zawawi Akhmad, Dirda Alodya Akmalia Putri, Fina Aldira Mara Ditta Caesar Purwanto ALI YUSUF Ambarwati, Diva Ayu Ambarwati, Tyas Amrozi Khamidi Anah, Anah Andarwati Andarwati Andi Mariono Aninnas, Afina Anisa Anisa Antonia, Claresta Aqlicia, Aina Ari Estiana, Nilna Tintan Arief Syahroni, Muh. ARIF HIDAJAD Atmadja, I Ketut Ayun, Qurrotun Betty Storus, Marlin Noviardana Cahyani, Arini Dwi Diana Rahmasari ERNY ROESMININGSIH Fafirulloh, Monica Cecillila Fatimatuszzahro, Syahrina Laila Fihima Arisindi Salsabilah Fitria, Vany Frans Simangunsong Gunarti Dwi Lestari Hadi Mulyanto, Antok Hekmatiar, Sabiyan Yudhistira Herlina Herlina Hervina Puspitosari, Hervina Heryanto Susilo Hidayah, Lailatul Nur Hutagalung, Iqbal I Ketut Atmaja Johny Artha, I Ilianti, Febby Indawati, Yana Indriani, Aulia Afifah IRA DARMAWANTI Izzah, Afifatul Joni Artha , I Ketut Atmadja Kartika, Yuly Sari Kholisussa’di, Kholisussa’di Kiettkunwong, Narong Kistiawandira, Ayu Putri Lestari , Gunarti Dwi Lutviatiani, Mita Machfudi, Aliyah Samantha Maharani, Cyntia Aprilistin Putri Marati, Azizatul MARDIANI, DESIKA PUTRI MARIA VERONIKA ROESMININGSIH Marrom, Mochammad Azza Nurul Masitha, Karina Dewi Maulani, Meika Nur Meilan, Nanda Mustika Mia Narfais, Alma Dita Mita Lutviatiani Mohamad, Hamidah Binti Mohammad Syahidul Haq Muchamad Arif, Muchamad Mustakim Mustakim Nabiilah, Divanda Putri Najlatun Naqiyah Narfais, Alma Dita Mia Ni'mah, Jannatun Noviana, Dea Syagita Nugroho, Aries Edy Nunuk Hariyati Nusantara, Widya Nuzul Fathah, Siti Permatasari, Novita Pradana, Alberic Kencana Adhi Prastyo, Danang Prisma Putri, Cindy Sefiana Putri, Niken Cahyaning Rahayu, Rica Alivianti Raya Sulistyowati Reswari, Ardhana Retno Tri Hariastuti, Retno Tri Rezka Arina Rahma Rivo Nugroho Roesminingsih, M. V. Roesminingsih, MV Rofiah, Khofidotur ROFIK JALAL ROSYANAFI ROHMAWATI KUSUMANINGTIAS Rosyanafi, Rofik Djalal Sari, Amalia Nofita Setianingrum, Vinda Maya Sholihah, Wahyu Rif’atus Sina Iwi, Patricia Siti Masitoh SJAFIATUL MARDLIYAH SOEDJARWO Sofyan, Hanifah Sari Tiwuk Umma, Farah Khosravi Ummah, Asliatul Utari Dewi virdaus, varia virdania Waluyo Wardani, Nava Widiyanah, Ima Widodo Widodo Widodo, Rika Angelina Widyaswari, Monica Wijaksono, Cahyo Febri YATIM RIYANTO Yudha, Erlangga Wira Zahrotul Mufidah Zaimah, Husnuz Zakariyah, M Fahmi Zebada Faustina Agrippine Amahorseya, Michaela