LEGAL PROTECTION FOR DIGITAL BANK CUSTOMERS IN INDONESIA: ANALYSIS OF DATA CONFIDENTIALITY REGULATIONS AND BANK RESPONSIBILITY

Abstract

Digital bank users in Indonesia are currently so numerous that legal regulations are needed for their users. Writing This will examine the form of legal protection for digital bank customers in Indonesia. The method used in this case is the Normative Juridical Research Method, using library data supported by applicable laws and regulations. The study results indicate that the rules and regulations for protecting the confidentiality of bank customer data in Indonesia are not absolute, and are not subject to one regulation. Still, several regulations are interrelated. The form of legal protection for digital bank customers related to the confidentiality of customer personal data currently does not provide comprehensive legal protection and certainty because the responsibility, both criminal and administrative, is only given to the bank for misuse of data confidentiality. In contrast, the responsibility for material losses by customers has not been explicitly regulated. Only subject to and bound by the agreement or deal made between the bank and the customer and still requires other efforts in the form of a lawsuit in court. The concept of protecting customer data confidentiality in digital banks can be done responsively, namely by connecting several relevant regulations to provide a sense of justice for customers if customer rights are not protected by banking regulations.

Keywords

• Bank
• Digital Services
• Customer Protection
• Sanctions