Track: Information Technology

Abstract

This study aims to determine the legal protection of customer personal data in internet banking services and what customers can take legal remedies if their data is not protected. Customer data in this service needs to be considered because it involves a person's privacy data and must be provided to the Bank to carry out transactions. The research method used is normative legal research by examining legal principles and systematic law with qualitative data followed by a conceptual approach and legislation. The result of this research is that there are two forms of the legal protection of customer data in internet banking services, namely preventive legal protection with a self-regulation approach from the internal legal rules of bank administrators and a government regulation approach in Law Number 10 of 1998 concerning Banking and Law Number 8 of 1999 concerning Consumer Protection. Second, repressive legal protection is the responsibility of the Bank in the form of handling customer complaints to compensation for losses to customers as regulated in Bank Regulation No. 10/10/PBI/2008 concerning Settlement of Customer Complaints, Bank Indonesia Regulation No. 10/1/PBI/2008 concerning Banking Mediation, and Law Number 19 of 2016 concerning Electronic Information and Transactions has regulated the protection of personal data of customers who use Internet Banking. Efforts that customers can make if personal data in internet banking services are not protected can make customer complaints and mediation. If there is no agreement, the customer can take legal remedies consisting of civil legal remedies, criminal legal remedies, and administrative, legal remedies.

Keywords

Legal Protection, Personal Data, Internet Banking, Customer, Regulation