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All Journal Jejak digital: Jurnal Ilmiah Multidisiplin
Andini Putri
Universitas Halu Oleo
Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Social Sciences Other

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Analisis Hukum Perbankan Indonesia terhadap Tanggung Jawab Bank atas Kejahatan Siber dengan Modus Social Engineering Andini Putri; Hambali H
Jejak digital: Jurnal Ilmiah Multidisiplin Vol. 2 No. 5 (2026): AGUSTUS-SEPTEMBER
Publisher : INDO PUBLISHING

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63822/q1te5a08

Abstract

Social engineering-based digital crime has increased alongside the growth of digital banking services in Indonesia, causing financial losses to customers. This study aims to analyze the legal liability of banks for customer losses resulting from social engineering under Indonesian banking law. This research employs a normative legal research method using statutory, conceptual, and case approaches. The findings indicate that a bank's liability depends on whether there is negligence in implementing the prudential principle, system security, and customer data protection. Conversely, when losses arise from the customer's own negligence in disclosing confidential information, the bank's liability is limited. Therefore, strengthening digital security systems, improving digital literacy, and harmonizing regulations are essential to enhance legal protection for banking customers.  
Co-Authors Hambali Husaini