Legal Compliance for Consumers in Dealing with Cases of Account Tampering in Digital Banking Services
Main Article Content
Abstract
Account tampering through digital banking services has become a significant problem in Indonesia. Although regulations such as the ITE Law and policies from the Financial Services Authority (OJK) have been implemented, the implementation of supervision and enforcement of these cases is still limited. This research examines how legal certainty and supervision mechanisms in the digital banking sector can provide maximum protection for customers. The research found that stronger coordination between supervision agencies and the implementation of more advanced security technologies in digital transaction systems are needed to reduce the loopholes exploited by criminals. Clear enforcement of sanctions and recovery of losses for customers are also very important to build public trust in the digital banking system. With the strengthening of the legal system, stricter supervision, and education of the public, it is hoped that digital banking will be safer and protect consumer rights more effectively.
Article Details
Section
How to Cite
References
Azharuddin, A. (2019). Legal Protection for Users of Internet Banking Consumers Following Changes in Information and Electronic Transactions Law. Journal of Law, 6(1), 67-78.
Dandash, O., Le, P. D., & Srinivasan, B. (2007). Security Analysis for Internet Banking Models. In Conference: Software Engineering, Artificial Intelligence, Networking, and Parallel/Distributed Computing, 3, 1141-1146.
Devanto, S. P. (2017). Perlindungan Hukum Nasabah dalam Transaksi melalui Internet Banking. Indonesian Journal of Legal Studies, 10(3), 201-218.
Dharma, S. (2012). Perlindungan Hukum bagi Konsumen Internet Banking (Studi pada E-Banking Bank Mandiri). Journal of Consumer Law, 9(2), 67-85.
Effendi, B. (2020). Pengawasan dan Penegakan Hukum terhadap Bisnis Digital (E-Commerce) oleh Komisi Pengawas Persaingan Usaha (KPPU) dalam Praktek Persaingan Usaha Tidak Sehat. Syiah Kuala Law Journal, 4(1), 21-32.
Evenett, S. J., & Jenny, F. (2000). Competition Law and Economic Integration in Developing Countries. Edward Elgar Publishing.
Harry, N. P. (2015). Perlindungan Hukum terhadap Nasabah Pengguna Fasilitas Internet Banking atas Terjadinya Cyber Crime. Journal of Law Protection, 45(3), 142-156.
Kadir, A. (2017). Hukum Perlindungan Konsumen. Sinar Grafika.
Kuncoro, T. (2013). Penegakan Hukum terhadap Cyber Crime di Bidang Perbankan. Journal of Legal Studies, 11(2), 75-85.
Medita, R. (2014). Perlindungan Hukum bagi Nasabah terhadap Keamanan Data Pribadi Nasabah dalam Layanan Internet Banking. Journal of Legal Protection, 45(3), 142-156.
Negara, D. S., & Darmawan, D. (2023). Digital Empowerment: Ensuring Legal Protections for Online Arisan Engagements. Bulletin of Science, Technology and Society, 2(2), 13-19.
Bank Indonesia. (2016). Peraturan Bank Indonesia Nomor 18/40/PBI/2016 Tahun 2016 tentang Penyelenggaraan Pemrosesan Transaksi Pembayaran. Lembaran Negara Republik Negara Nomor 236 Tahun 2016. Jakarta.
Otoritas Jasa Keuangan. (2016). Peraturan Otoritas Jasa Keuangan Nomor 77/POJK.01/2016 Tahun 2016 tentang Layanan Pinjam Meminjam Uang Berbasis Teknologi Informasi. Lembaran Negara Republik Indonesia Nomor 324 Tahun 2016. Jakarta.
Ramasari, R. D. (2016). Legal Protection of Bank Consumers in Cyber Crime Connected with the Internet Banking Law. Journal of Cyber Law, 5(2), 153-160.
Rildayanti, M. (2014). Perlindungan Hukum bagi Nasabah terhadap Keamanan Data Pribadi dalam Layanan Internet Banking. Journal of Legal Protection, 45(3), 142-156.
Setiadi, T. (2017). Perlindungan Hukum terhadap Nasabah yang Mengalami Kerugian dalam Penggunaan Internet Banking yang Disebabkan oleh Intervensi Pihak Lain. Journal of Law Studies, 35(1), 103-118.
Soekanto, S. (2015). Metodologi Penelitian Hukum. Rajawali Pers.
Republik Indonesia. (2016). Undang-undang Nomor 19 Tahun 2016 tentang Informasi dan Transaksi Elektronik. Lembaran Negara Republik Indonesia Nomor 251 Tahun 2016. Tambahan Lembaran Negara Nomor 5952. Sekretariat Negara, Jakarta.
Republik Indonesia. (2011). Undang-undang Nomor 21 Tahun 2011 tentang Otoritas Jasa Keuangan. Lembaran Negara Republik Indonesia Nomor 111 Tahun 2011. Tambahan Lembaran Negara Nomor 5253.
Republik Indonesia. (1999). Undang-undang Nomor 8 Tahun 1999 tentang Perlindungan Konsumen. Lembaran Negara Republik Indonesia Nomor 22 Tahun 1999. Tambahan Lembaran Negara Nomor 3821. Sekretariat Negara, Jakarta.
Wafiya, W. (2012). Perlindungan Hukum Bagi Nasabah yang Mengalami Kerugian dalam Transaksi Perbankan Melalui Internet. Journal of Legal Studies, 14(1), 37-52.