Peranan Penyidik Direktorat Siber Polda Sumatera Utara dalam Menangani Tindak Pidana di Bidang Perbankan melalui Perantara Dunia Maya

Abstract

In responding to cybercrime offenses involving the phishing method, investigators from the Cyber Directorate of the North Sumatra Regional Police face challenges due to existing laws that regulate procedures for obtaining bank customer data. As a result, investigators have been unable to resolve public reports related to criminal acts involving phishing in cyberspace. This research addresses the following problems :1) What are the legal provisions concerning phishing-related criminal acts in the banking sector through cyberspace? 2) What is the role of investigators at the Cyber Directorate of the North Sumatra Regional Police in responding to phishing-related criminal acts in the banking sector through cyberspace? 3) What are the obstacles faced by investigators at the Cyber Directorate of the North Sumatra Regional Police in responding to phishing-related criminal acts in the banking sector through cyberspace? The method used in this thesis is normative legal research supported by empirical data. Normative legal research treats law as a system of norms, including legal principles, rules, statutory regulations, and legal doctrines. This research adopts a descriptive-analytical approach, focusing on the examination of statutory regulations and the collection of empirical data through interviews with investigators from the Cyber Directorate of the North Sumatra Regional Police. The data obtained are analyzed using a qualitative method. The results of the study indicate that during the investigation and inquiry phases conducted by the Cyber Directorate, investigators should be able to access bank customer data without first having to establish a suspect, as currently required under banking secrecy laws. This access is essential for investigators to identify suspects, proceed to prosecution, and bring the case to trial so that legal sanctions may be imposed on those who have committed criminal conduct.