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All Journal Jurnal Pengabdian Masyarakat dan Riset Pendidikan Jurnal Pustaka Cendekia Hukum dan Ilmu Sosial
Mika Anwarita Pakpahan
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Religion Arts Humanities Computer Science & IT Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Mathematics Other

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Analisis Normatif Atas Keterbatasan Pengaturan OJK Terkait Perlindungan Nasabah dalam Menghadapi Ancaman Risiko Social Engineering Mika Anwarita Pakpahan; Yuniar Pamadya Astuti
Jurnal Pustaka Cendekia Hukum dan Ilmu Sosial Vol. 3 No. 3 (2025): Vol. 3 No. 3 (2025): Jurnal Pustaka Cendekia Hukum dan Ilmu Sosial Volume 3 Nom
Publisher : PT PUSTAKA CENDEKIA GROUP

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70292/pchukumsosial.v3i3.195

Abstract

This article analyzes the effectiveness of customer protection regulations in digital banking services against the threat of social engineering, a form of modern financial risk. This research uses normative legal methods by examining regulations, legal literature, and empirical research findings related to digital crime in the banking sector. The results show that although the regulatory framework addresses the principles of consumer protection, system security, and risk management, these regulations do not specifically address the complexity of social engineering, which is rooted in psychological manipulation and low customer digital literacy. The absence of investigative standards, limits of liability, and independent evidentiary mechanisms leaves customers in a very vulnerable position when funds are lost. This article concludes that more detailed and adaptive regulatory updates are needed, including a strengthened accountability model, transparent investigation procedures, and increased digital security education to strengthen legal protection for customers in the digital banking ecosystem.
Online Single Submission (OSS) Sebagai Instrumen Reformasi Birokrasi : Analisis Atas Transparansi dan Akuntabilitas Pelayanan Perizinan di Era Digital: Penelitian Mika Anwarita Pakpahan; Irmanjaya Thaher
Jurnal Pengabdian Masyarakat dan Riset Pendidikan Vol. 4 No. 3 (2026): Jurnal Pengabdian Masyarakat dan Riset Pendidikan Volume 4 Nomor 3 (Januari 202
Publisher : Lembaga Penelitian dan Pengabdian Masyarakat

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/jerkin.v4i3.4763

Abstract

This research aims to analyze the effectiveness of the Online Single Submission (OSS) system as an instrument of bureaucratic reform in realizing transparency and accountability of licensing services in the digital era. The scope of the study includes the normative provisions underlying OSS and its implementation in practice, focusing on the gap between regulatory design and bureaucratic reality. The research method uses a normative juridical approach, with an analysis of laws and regulations, academic literature, and relevant secondary data. The results of the study show that OSS is able to simplify licensing procedures and improve access to information, but still faces obstacles in the form of weak central-regional data integration, limited apparatus capacity, and lack of substantive transparency in decision-making. The conclusion of the study confirms that OSS has great potential as a legal instrument to support the principle of good governance, but its effectiveness is not optimal. It is necessary to strengthen derivative regulations, improve the competence of the apparatus, and have a more comprehensive supervision mechanism so that OSS can truly become a means of bureaucratic reform that ensures legal certainty, transparency, and accountability of public services.
Co-Authors Irmanjaya Thaher Yuniar Pamadya Astuti