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All Journal Custodia: Journal of Legal, Political, and Humanistic Inquiry
Garnis Putri Shima
Universitas Muhammadiyah Surakarta
Law, Crime, Criminology & Criminal Justice

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Pemanfaatan Artificial Intelligence dan Pelanggaran Rahasia Bank: Studi Kasus Kebocoran Data Nasabah Bank Syariah Indonesia (BSI) ditinjau dari Pasal 40 Undang-Undang Nomor 10 Tahun 1998 tentang Perbankan Widya Utami; Virda Rachma Mulya; Garnis Putri Shima; Yahya Ayyash; Aditya Rizki Andriyanto; Raden Miko Ardiansyah Judhokusumo
Journal of Legal, Political, and Humanistic Inquiry Vol 1 No 2 (2025): December: Custodia: Journal of Legal, Political, and Humanistic Inquiry
Publisher : CV SCRIPTA INTELEKTUAL MANDIRI

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.65310/13m27813

Abstract

The rapid digital transformation in the banking sector has significantly changed the management and processing of customer data, particularly within Islamic banking institutions. The use of intelligent computing systems enhances efficiency, transaction speed, and service accuracy, yet it also increases vulnerability to data breaches and violations of bank secrecy. This study examines the leakage of customer data at Bank Syariah Indonesia as a case study, focusing on its legal implications under Article 40 of Law Number 10 of 1998 concerning Banking. Using normative legal research methods, this study analyzes statutory regulations, legal doctrines, and relevant scholarly works to assess the bank’s responsibility for safeguarding customer confidentiality. The findings indicate that data leakage constitutes a violation of bank secrecy obligations and exposes the bank to administrative, civil, and potential criminal liability. Furthermore, inadequate data protection mechanisms weaken customer trust and undermine legal certainty. Strengthening governance frameworks, enhancing digital security systems, and ensuring strict law enforcement are essential to protect customers’ rights and maintain the credibility of Islamic banking in the digital era.
Kepastian Hukum bagi Pemegang Polis dalam Kasus Gagal Bayar Perusahaan Asuransi: Analisis Normatif Harlian Satria Wilwatikta; Malik Madya Jaya Pratama; Falah Ramadhani; Cindi Fadila; Garnis Putri Shima
Journal of Legal, Political, and Humanistic Inquiry Vol 1 No 4 (2026): June: Custodia: Journal of Legal, Political, and Humanistic Inquiry
Publisher : CV SCRIPTA INTELEKTUAL MANDIRI

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.65310/79pf5v18

Abstract

The phenomenon of insurance company defaults indicates the existence of legal uncertainty that directly impacts the weak protection afforded to policyholders as the aggrieved party in the contractual relationship. This situation reflects a gap between applicable legal norms and their implementation in practice, particularly regarding supervision, transparency, and dispute resolution mechanisms in the financial services sector. This study aims to analyze legal certainty for policyholders in cases of insurance company defaults through a normative legal approach. The methods used include legislative and conceptual approaches, utilizing primary, secondary, and tertiary legal sources analyzed qualitatively. The research results indicate that although the regulatory framework has established protections for policyholders, its effectiveness remains limited due to weak supervision, an imbalance in the positions of the parties involved, and the suboptimal roles of the policy guarantee institution and dispute resolution mechanisms. The discussion underscores the importance of strengthening a legal protection system that is both preventive and repressive to ensure legal certainty and enhance public confidence in the insurance industry.
Co-Authors Aditya Rizki Andriyanto Cindi Fadila Falah Ramadhani Harlian Satria Wilwatikta Malik Madya Jaya Pratama Raden Miko Ardiansyah Judhokusumo Virda Rachma Mulya Widya Utami Yahya Ayyash