<![CDATA[This study aims to determine the accountability of financial institutions to employees who have been negligent in providing services to customers and examines the triangular relationship between financial institutions, employees, and customers. This normative juridical research is combined with empirical data. The results indicate that if the negligence of an employee is per the standard operating procedures (SOP) set by the authorities in the financial institution, the financial institution must be responsible for the loss of the customer. This responsibility is based on Articles 1365, 1366, and 1367 of the Civil Code. If the employee's negligence is not according to the SOP, then the employee must be personally responsible. A single legal event may result in different ways of settling in the relationship of these three parties.]]>
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