Analisis Hukum Perbankan Indonesia terhadap Tanggung Jawab Bank atas Kejahatan Siber dengan Modus Social Engineering

Andini Putri (Universitas Halu Oleo)
Hambali H (Universitas Halu Oleo)

Jejak digital: Jurnal Ilmiah Multidisiplin
Vol. 2 No. 5 (2026): AGUSTUS-SEPTEMBER

Social engineering-based digital crime has increased alongside the growth of digital banking services in Indonesia, causing financial losses to customers. This study aims to analyze the legal liability of banks for customer losses resulting from social engineering under Indonesian banking law. This research employs a normative legal research method using statutory, conceptual, and case approaches. The findings indicate that a bank's liability depends on whether there is negligence in implementing the prudential principle, system security, and customer data protection. Conversely, when losses arise from the customer's own negligence in disclosing confidential information, the bank's liability is limited. Therefore, strengthening digital security systems, improving digital literacy, and harmonizing regulations are essential to enhance legal protection for banking customers.