Article Title
Abstract
With the present development of technology and the internet, everything has been made easier. One sector that is affected by the development of information and communication technology is Banking, an economic sub-sector that mobilizes public funds. Behind the convenience obtained from the use of Internet Banking, there are also risks that can be used in the use of this service, among others, many violations of law regarding personal data via the Internet and also regarding financial risks suffered by bank customers in the use of Internet Banking The IT criminals cause the Banking industry to be able to prepare security features that are able to maintain the level of public confidence that electronic transactions are safe. Then this raises a number of questions, namely how the provisions and laws regarding Internet Banking in Indonesia, how a Bank can be responsible in the security of customer data and information, and how banks protect these customers when there are problems when using Internet Banking. This research is conducted by utilizing the normative research method, in which library based research is conducted from the materials on the books, journal, and also laws and regulations, and field research by conducting interview on Bank X workers. Thus there are various forms of protection for customers using Internet Banking services provided by banks, while in terms of bank responsibility as an Internet Banking service provider, the customer is more aware and thorough in using Internet Banking services.
Keyword: Internet Banking, Customer Protection, Cybercrime.
Bahasa Abstract
Dengan perkembangan teknologi dan internet yang sangat pesat, semua hal menjadi lebih mudah. Salah satu sektor yang dipengaruhi oleh perkembangan teknologi informasi dan komunikasi adalah sektor perbankan, sebuah subsektor ekonomi yang memobilisasi dana publik. Dibalik kenyamanan yang diperoleh dari penggunaan Internet Banking, Ada juga risiko yang terdapat dalam penggunaan layanan ini, antara lain, banyak pelanggaran hukum mengenai data pribadi melalui Internet dan juga tentang risiko keuangan yang diderita oleh nasabah bank di penggunaan Internet Banking. Para penjahat IT menyebabkan industri perbankan harus menyiapkan fitur keamanan yang mampu menjaga tingkat kepercayaan publik bahwa transaksi elektronik tersebut aman. Kemudian hal ini menimbulkan sejumlah pertanyaan, yaitu bagaimana ketentuan dan undang-undang tentang Internet Banking di Indonesia, kemudian bagaimana Bank dapat bertanggung jawab dalam keamanan data dan informasi nasabah, dan bagaimana bank melindungi pelanggan ini ketika ada masalah saat menggunakan Internet Banking. Penelitian ini dilakukan dengan menggunakan metode penelitian doktrinal, dimana penelitian berbasis perpustakaan dilakukan dari bahan-bahan pada buku, jurnal, dan juga hukum dan peraturan, ditambah dengan wawancara pada pekerja Bank X. Dengan demikian terdapat berbagai bentuk perlindungan bagi pelanggan yang menggunakan layanan Internet Banking yang disediakan oleh bank, sedangkan dalam hal tanggung jawab bank sebagai penyedia layanan Internet Banking, pelanggan lebih meningkatkan kesadaran dan ketelitian dalam menggunakan layanan Internet Banking.
Kata Kunci : Legal Analysis on Customer’s Legal Protection in Using Internet Banking in Indonesia (Study Case of Bank X)
References
Buku
Resa Raditio, Aspek Hukum Transaksi Elektronik, Jakarta, Graha Ilmu, 2014,
Sakina Rakhma Diah Setiawan, “Tahun 2017, Pengguna Internet di Indonesia Mencapai 143,26 Juta Orang” Kompas,
Muhammad Djumhana, Hukum Perbankan di Indonesia, (Bandung: PT. Citra Aditya Bakti: 1996),
Veithzal Rivai and Rifki Ismail, Islamic Risk Management for Islamic Bank (Jakarta: Gramedia Pustaka Utama, 2013),
Onno W. Purbo and Aang Arif Wahyudi, Mengenal E-Commerce, (Jakarta: Elex Media kompinto, 2001),
Hermansyah, "Hukum Perbankan Nasional Indonesia", Kencana Prenada Media Group, Jakarta, 2000.
Peraturan Perundang-undangan
Indonesia, Bank Indonesia regulation regarding Implementation of Risk Management in the use of information technology by commercial banks, number 9 year 2007, art. 1 paragraph (3).
Internet
https://ekonomi.kompas.com/read/2018/02/19/161115126/tahun-2017-pengguna-Internet-di- indonesia-mencapai-14326-juta-orang
PT. Solusi Finansialku Indonesia, https://www.finansialku.com/memahami-Internet Banking/
http://www.duhaime.org/LegalDictionary/B/Bank.aspx
https://www.bankrate.com/glossary/i/internet-bank/,
https://www.thebalance.com/whatis-Banking-3305812
Penerapan Manajemen resiko pada aktivitas pelayanan jasa bank melalui Internet (Internet Banking), http://www.bi.go.id/id/peraturan/arsip-peraturan/Perbankan2004/ se-6-18-04-dpnp.pdf
Recommended Citation
Putrianda, Salsabila
(2023)
"ANALISIS HUKUM TERHADAP PERLINDUNGAN NASABAH DALAM MENGGUNAKAN INTERNET BANKING DI INDONESIA (STUDI KASUS BANK X),"
"Dharmasisya” Jurnal Program Magister Hukum FHUI: Vol. 2, Article 32.
Available at:
https://scholarhub.ui.ac.id/dharmasisya/vol2/iss3/32
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