<![CDATA[The transformation of banking services into digital platforms has increased efficiency and convenience in financial transactions, while simultaneously heightening vulnerability to cybercrime, particularly fraud committed by external parties resulting in financial losses for customers. This condition raises legal issues concerning the effectiveness of customer protection and the extent of banks’ legal responsibility in ensuring the security of digital banking services. This study aims to examine the legal protection afforded to bank customers who suffer financial losses due to fraud through digital banking services and to analyze banks’ legal liability under applicable laws and regulations.This research employs normative legal research using statutory and case approaches. The analysis is conducted on primary, secondary, and tertiary legal materials related to digital banking and customer protection. The findings indicate that the Indonesian legal framework obliges banks to implement the prudential principle, including the application of multi-layer security systems to prevent fraud and unauthorized use of customer accounts. Banks may still be held legally liable if negligence in risk management and system security is proven, even when losses are directly caused by third parties. Therefore, legal protection for digital banking customers must be implemented through both preventive and remedial measures to ensure legal certainty and justice.]]>
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