| dc.description.abstract | The rapid development of financial services in Indonesia has given rise to
various conveniences in transactions, one of which is credit cards. This widespread
use of credit cards poses a risk of misuse of personal data, which can be detrimental
to credit card holders. This thesis aims to identify the factors causing the misuse of
personal data of credit card consumers, to understand the legal protection of
personal data of BNI credit card consumers shared with third parties, and to
determine the legal responsibilities of financial service providers to prevent the
misuse of personal data of BNI credit card consumers.
The research method used is normative and empirical law, using a statutory
and conceptual approach. Primary data was obtained through interviews with BNI,
while secondary data was collected through primary legal materials (legislation)
and secondary legal materials (books, journals, and scientific articles). Data
analysis was conducted qualitatively, drawing deductive conclusions.
The results of the discussion indicate that the factors causing the misuse of
personal data of credit card consumers are system security and security during data
processing by employees. Furthermore, poor consumer digital literacy is also a
contributing factor to the misuse of credit card customers’ personal data. Misuse of
credit card customers’ personal data constitutes an Unlawful Act (PMH) by the
bank as the credit card issuer, based on Article 1365 of the Civil Code, which states,
“Every unlawful act that results in loss to another person, obliges the person
causing the loss through their fault to compensate for that loss.” In protecting the
personal data of credit card customers, BNI complies with Indonesian laws and
regulations, such as Law No. 27/2022 concerning Personal Data Protection (PDP
Law), Law No. 10/1998 concerning Banking, an” oth’r regulations. BNI also
maintains an internal policy to protect the personal data of credit card customers.
Bank liability in the event of misuse of credit card customers’ personal data applies
the principle of limited liability. Financial Services Businesses are advised to
maintain the confidentiality of credit card customers’ personal data, and consumers
are advised to exercise caution when using credit cards for transactions. | en_US |
