<![CDATA[The advancement of digital technology has posed new challenges in personal data protection, especially in the banking sector where sensitivity and trust are crucial. With increasing reliance on digital financial services, personal data has become highly vulnerable to misuse. Public trust in banking institutions depends on their commitment to safeguarding the confidentiality and security of customer data. Existing regulations, though evolving, have not yet fully addressed the growing threat of cybercrime. This study aims to examine the urgency of legal protection for personal data in the banking sector in the digital era. The research uses a normative juridical method with statutory and literature approaches. Findings show that although various laws such as the Indonesian Electronic Information and Transactions Law, the Personal Data Protection Law, and Financial Services Authority regulations exist, their implementation still faces major obstacles, particularly in supervision, sanctions, and technological safeguards. The principles of trust and confidentiality form the basis of bank-customer relationships, yet are often not supported by adequate digital protection systems. Integration between national legal norms and international standards, such as the APEC Privacy Framework, is essential to enhance data security. Therefore, government and financial authorities must strengthen cybersecurity systems, clarify legal consequences for violations, and ensure full compliance with data protection principles to build customer trust and maintain financial system stability.]]>
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