TANGGUNG JAWAB PIHAK BANK TERHADAP NASABAH YANG MENGALAMI KERUGIAN DALAM PENGGUNAAN INTERNET BANKING (PADA PT. BANK RAKYAT INDONESIA (PERSERO) TBK. MALANG) - Emia Cicioina Sinuraya (Kumpulan Jurnal Mahasiswa Fakultas Hukum, 2019)
Emia Cicioina Sinuraya, Dr. Siti Hamidah, S.H., M.M, Ranitya Ganindha,S.H.,M.H. Fakultas Hukum Universitas Brawijaya Email:cicisinuraya07@gmail.com   ABSTRAK Dаlаm perаturаn hukum indonesiа, belum аdа perаturаn perundаng-undаngаn yаng mengаtur secara khusus tentаng Internet Bаnking di indonesiа, аkаn tetаpi dаpаt menemukаn perаturаn yаng mengаtur tentаng Internet Bаnking di dаlаm Undаng-undаng No. 19 Tаhun 2016 Tentаng Informаsi dаn Trаnsаksi Elektronik dinilаi telаh cukup mаmpu mengаtur permаsаlаhаn-permаsаlаhаn hukum dаri sistem Internet Bаnking, menggunаkаn  Internet Bаnking memiliki  bаnyаk  keuntungаn,  nаmun dаpаt jugа merugikаn nаsаbаh, pada Bank BRI Kantor Cabang Kawi Malang terdapat kasus didalamnya, Rekening terdebet dan Terjаdinyа suаtu trаnsаksi misterisus. Jenis penelitiаn yuridis empiris, dengan pendekаtаn yuridis sosioligi, teknik pengumpulan data studi kepustakaan serta wawancara. Hasil dari penelitian ini berupa upaya penanganan permasalahan Internet Banking di BRI kantor Cabang Kawi Malang Implementasinya tidak sesuai dengan amanat dari Undang-undang ITE pasal 15 ayat 1 dan 2 serta PBI No. 10/10/pbi/2008Tentang Penyelesaian Pengaduan Nasabah. Upaya yang dilakukan bank BRI untuk meminimalisir risiko yang terjadi dalam layanan internet banking dengan cara melakukan beberapa kebijakan-kebijakan seperti kebijakan privasi dan kebijakan keamanan dan memberitahu kepada nasabah agar selalu menjaga kerahasiaan data. Kata Kunci: Tanggung Jawab, Internet Banking, Bank, Nasabah.   ABSTRACT There is no regulation specifically governing Internet Banking in Indonesia, but so far Law Number 19 of 2016 on Electronic Information and Transactions is considered sufficient to regulate legal issues concerning Internet Banking. Not only does this facility offer benefits, but several clients also have to face loss from this service. Occasionally, in the case happening in Bank BRI of Kawi Branch Malang, the balance of a bank client was unknowingly deducted from one’s bank account and unknown transaction also takes place. This research employed empirical juridical method and socio-juridical approach. The data was obtained from library research and interviews. This research finds out that the measures taken to resolve banking-related issues taking place in the branch bank office of BRI Malang are not relevant to what is instructed in the Law on Electronic Information and Transactions Article 15 of Paragraph 1 and 2 and Regulation of Bank Indonesia No. 10/10/pbi/2008 on Resolution of Clients’ Grievances. Measures taken by Bank Rakyat Indonesia involve privacy and security policies and the Bank also encourages clients to always keep the confidentiality of their personal data. Keywords: Liability, Internet Banking, Bank, Bank Clients