Article Per Year (5 Year)
p-Index From 2021 - 2026
0.23
P-Index
This Author published in this journals
All Journal International Journal of Science and Environment
Ariyasatya, Yulius
Unknown Affiliation
Agriculture, Biological Sciences & Forestry Biochemistry, Genetics & Molecular Biology Chemical Engineering, Chemistry & Bioengineering Chemistry Mathematics Physics

Published : 1 Documents Claim Missing Document
Claim Missing Document
Check
Articles

Found 1 Documents
Search

 1 
Account Blocking Without Customer Consent: Disharmony Between The Banking Law, The PDP Law, and POJK 8/2023 Ariyasatya, Yulius; Yustika, Luthy
International Journal of Science and Environment (IJSE) Vol. 6 No. 1 (2026): February 2026
Publisher : CV. Inara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51601/ijse.v6i1.345

Abstract

Banks blocking customer accounts without consent or notification raises legal issues related to customer protection and data privacy. Under the framework of Law No. 7/1992 in conjunction with Law No. 10/1998, such actions can be justified as an exception if based on orders from law enforcement officials. However, following the enactment of POJK No. 22/2023 concerning Consumer Protection in the Financial Services Sector and Law No. 27/2022 concerning Personal Data Protection, the practice of blocking accounts without customer consent has the potential to conflict with the principles of transparency, accountability, and control of personal data by banks. This study normatively analyzes the potential for disharmony between regulations through a review of laws and regulations, legal literature, and banking practices, using the Theory of Legal Protection and the Theory of Presumption of Innocence as analytical tools. The study's findings demonstrate the need for adequate consent and notification in any action that impacts customer rights, as well as strengthening operational harmonization and oversight so that blocking procedures do not violate privacy rights or legal certainty. Recommendations include the development of clear operational standards, transparency of processes, and accountability of banks as data controllers, so that customer legal protection is optimally achieved.
Co-Authors Yustika, Luthy