Pelindungan Hukum Terhadap Nasabah Pengguna Layanan Internet Banking

Abstract

The advancement of information technology has had a major impact on the banking world, especially through the presence of internet banking services that offer convenience in conducting various financial transactions. However, behind this innovation, a number of risks have also emerged, such as misuse of customer personal data, fraud, and cybercrime, which have the potential to harm customers as users of these internet banking services. The purpose of this study is to determine existing regulations and policies that can ensure that internet banking services are safe and meet legal protection standards for customers, to determine the efforts to resolve disputes that have been made and to determine what legal protection mechanisms are available to customers. The type of research that the researcher uses in this thesis research is normative juridical legal research with a statute approach and a case study approach. The data collection technique in writing this thesis uses library research by analyzing various literatures and the data is processed and analyzed qualitatively. The results of this study indicate that the laws and regulations that regulate the protection of internet banking customers regulate the bank's obligation to maintain the confidentiality of customers' personal data, provide clear information related to internet banking and ensure its security. In resolving disputes between customers and banks due to losses caused by the use of internet banking, customers can demand accountability for the losses experienced through non- litigation efforts such as customer complaints and mediation if no agreement is reached in the customer's complaint and litigation efforts through the court process. Legal protection provided to customers is given preventively in the form of prevention such as education, supervision, coaching, risk management, identification and verification of customer data, and repressive legal protection in the form of sanctions, imprisonment, and fines. Banks are required to be legally responsible, both civil and criminal, for losses that depend on the cause of the loss.