<![CDATA[This study analyzes legal protection for customers against loss of funds due to online fraud in mobile banking services under Law Number 8 of 1999 on Consumer Protection. The background is the rapid digitalization of banking, which brings risks such as phishing, social engineering, OTP misuse, and account hacking. This study uses normative legal research with statutory, conceptual, and case approaches, drawing on primary, secondary, and tertiary legal materials analyzed qualitatively. The results show that customer protection is both preventive and repressive, based on the Consumer Protection Law, Banking Law, ITE Law, PDP Law, and OJK regulations. Bank liability is not absolute; it depends on the cause of the loss. If the loss arises from system weaknesses or bank negligence, the bank may be held liable. Conversely, if the loss occurs because the customer voluntarily provided authentication data to fraudsters, the bank’s liability is limited. Legal remedies include internal bank complaints, OJK facilitation, BPSK dispute resolution, and litigation. This study concludes that a balanced approach is needed, strengthening system security, customer education, and clear compensation mechanisms]]>
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