<![CDATA[Perkembangan zaman yang terjadi berdampak pada bidang teknologi. Dalam hal ini, sistem Pebankanpun turut serta berdampak dan memunculkan inovasi dalam menunjang ekonomi masyarakat, yakni menawarkan layanan kartu kredit bagi masyarakat guna memudahkan dalam bertransaksi. Namun, pada kenyataannya dalam kegiatan perbankan tidak terlepas dari pelanggaran yang merugikan nasabah. Salah satunya pada Putusan Mahkamah Agung Nomor: 1818K/Pdt/2013, bahwa Citibank selaku Tergugat telah melakukan perbuatan melawan hukum yakni pelenggaran prinsip kehati-hatian sehingga terjadinya peretasan kartu kredit milik nasabah selaku Penggugat. Dalam hal ini, hakim dalam memutuskan perkara atas pertanggungjawaban bank menegenai pelanggaran prinsip kehati-hatian terhadap peretasan kartu kredit milik nasabah harus berasaskan pada tiga asas, yaitu asas keadilan, asas kepastian hukum, dan asas kemanfaatan.Rumusan masalah dalam penelitian ini adalah ”Bagaimana Pertanggungjawaban Citibank Dalam Hal Terjadinya Pelanggaran Prinsip Kehati-hatian Terhadap Peretasan Kartu Kredit dalam Putusan Kasasi Nomor: 1818K/Pdt/2013?” Adapun tujuan penelitian ini adalah untuk mengetahui dan menganalisis bentuk pertimbangan hakim dan akibat hukum mengenai pelanggaran prinsip kehati-hatian oleh bank terhadap peretasan kartu kredit milik nasabah sebagaimana tercantum dalam amar Putusan Kasasi Nomor: 1818K/Pdt/2013. Dalam penelitian ini, metode yang digunakan adalah metode penelitian normatif, dengan sifat deskriptif analitis.Dapat ditarik kesimpulan dari hasil penelitian yang diperoleh dari pertimbangan hakim memutuskan bahwa bank harus bertanggungjawab yang sesuai dengan aturan perundnag-undangan yang berasaskan prinsip kehati-hatian atas terjadinya kerugian bagi nasabah dikarenakan kelalaiannya yang tidak menerapkan prinsip kehati-hatian dalam menjalani kegiatannya. Kata Kunci : Tanggung Jawab, Prinsip Kehati-hatian, Pertimbangan Hakim. The development of the times that occurred has an impact on the field of technology. In this case, the Banking system also contributes to the impact and brings innovation supporting the community economy, namely offering credit card services for the public to facilitate transactions. However, in reality in banking activities are inseparable from violations that harm customers. One of them is in the Supreme Court Decision Number: 1818K/Pdt/2013, that Citibank as Defendant has committed an act against the law, namely the implementation of the principle of prudence so that the hacking of credit cards belonging to customers as Plaintiffs. In this case, the judge in deciding the case on the bank's liability for violations of the principle of prudence against the hacking of credit cards belonging to customers must be based on three principles, namely the principle of fairness, the principle of legal certainty, and the principle of benefit.The formulation of the problem in this study is "How Is Citibank Accountable In The Event of Violation of The Principle of Prudence Against Credit Card Hacking in Cassation Award Number: 1818K/Pdt/2013?" The purpose of this research is to know and analyze the form of judge consideration and legal consequences regarding violations of the principle of prudence by banks against the hacking of credit cards belonging to customers as stated in the warning Cassation Verdict Number: 1818K/Pdt/2013. In this study, the method used was normative research method, with descriptive analytical properties.It can be concluded from the consideration of the judge decided that the bank must be responsible in accordance with the rules of the negotiators based on the principle of prudence for the occurrence of losses for customers due to its negligence that does not apply the principle of prudence in conducting its activities. Keywords: Responsibility, Principles of Prudence, Consideration of Judges.]]>
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