The Essence of Legal Protection of Personal Data of Customers In Banking Transactions

(1) Faculty of Law Pattimura University, Ambon, Indonesia

Abstract
Introduction: Banks as an institution are not only required to protect customer funds but are also obliged to maintain the confidentiality of customer personal data.
Purposes of the Research: This paper aims to examine the regulations governing the protection of customers' personal data and to examine the supervision and law enforcement of the protection of banking customers' personal data.
Methods of the Research: This research uses normative legal research methods with a statutory approach, conceptual approach, and case approach. The statutory approach relates to legislation on personal data protection and banking. The conceptual approach relates to the concepts of banking and personal data protection. The case approach relates to cases of supervision and law enforcement of violations or crimes of personal data of banking customers.
Results of the Research: The results show that regulations governing customer data protection are contained in various laws and regulations related to personal data protection and banking and other technical regulations. In addition, the study results also show that supervision of the protection of personal data of banking customers has been carried out by three institutions that have supervisory authority, namely Bank Indonesia, the Financial Services Authority, and the Deposit Insurance Corporation. Law enforcement against violations and crimes against customers' personal data still faces challenges, because although there are many cases of crimes using customers' personal data, only a few can be enforced against crimes against customers' personal data.Keywords
DOI
10.47268/sasi.v29i3.1528
Published
2023-06-14
How To Cite
@article{SASI1528, author = {Nancy Haliwela}, title = {The Essence of Legal Protection of Personal Data of Customers In Banking Transactions}, journal = {SASI}, volume = {29}, number = {3}, year = {2023}, keywords = {Personal Data; Banking; Legal Protection}, abstract = {Introduction: Banks as an institution are not only required to protect customer funds but are also obliged to maintain the confidentiality of customer personal data.Purposes of the Research: This paper aims to examine the regulations governing the protection of customers' personal data and to examine the supervision and law enforcement of the protection of banking customers' personal data.Methods of the Research: This research uses normative legal research methods with a statutory approach, conceptual approach, and case approach. The statutory approach relates to legislation on personal data protection and banking. The conceptual approach relates to the concepts of banking and personal data protection. The case approach relates to cases of supervision and law enforcement of violations or crimes of personal data of banking customers.Results of the Research: The results show that regulations governing customer data protection are contained in various laws and regulations related to personal data protection and banking and other technical regulations. In addition, the study results also show that supervision of the protection of personal data of banking customers has been carried out by three institutions that have supervisory authority, namely Bank Indonesia, the Financial Services Authority, and the Deposit Insurance Corporation. Law enforcement against violations and crimes against customers' personal data still faces challenges, because although there are many cases of crimes using customers' personal data, only a few can be enforced against crimes against customers' personal data.}, issn = {2614-2961}, pages = {548--556} doi = {10.47268/sasi.v29i3.1528}, url = {https://fhukum.unpatti.ac.id/jurnal/sasi/article/view/1528} }
Journal Article
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Lembaga Penjamin Simpanan. Sinergi Untuk Menjaga Stabilitas Sistem Keuangan Dan Percepatan Pemulihan Ekonomi Nasional, 2022.
Marcinkowska, Monika. “Regulation and Self-Regulation in Banking: In Search of Optimum.” Bank i Kredyt EconPaper Economics at Your Fingerstip 44, no. 2 (2013): 119–58. https://doi.org/https://EconPapers.repec.org/RePEc:nbp:nbpbik:v:44:y:2013:i:2:p:119-158.
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Thesis, Web Page, and Others
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Dublin Core | PKP Metadata Items | Metadata for this Document | |
1. | Title | Title of document | The Essence of Legal Protection of Personal Data of Customers In Banking Transactions |
2. | Creator | Author's name, affiliation, country | Nancy Silvana Haliwela; Faculty of Law Pattimura University, Ambon; Indonesia |
3. | Subject | Discipline(s) | |
3. | Subject | Keyword(s) | Personal Data; Banking; Legal Protection |
4. | Description | Abstract | Introduction: Banks as an institution are not only required to protect customer funds but are also obliged to maintain the confidentiality of customer personal data.Purposes of the Research: This paper aims to examine the regulations governing the protection of customers' personal data and to examine the supervision and law enforcement of the protection of banking customers' personal data.Methods of the Research: This research uses normative legal research methods with a statutory approach, conceptual approach, and case approach. The statutory approach relates to legislation on personal data protection and banking. The conceptual approach relates to the concepts of banking and personal data protection. The case approach relates to cases of supervision and law enforcement of violations or crimes of personal data of banking customers.Results of the Research: The results show that regulations governing customer data protection are contained in various laws and regulations related to personal data protection and banking and other technical regulations. In addition, the study results also show that supervision of the protection of personal data of banking customers has been carried out by three institutions that have supervisory authority, namely Bank Indonesia, the Financial Services Authority, and the Deposit Insurance Corporation. Law enforcement against violations and crimes against customers' personal data still faces challenges, because although there are many cases of crimes using customers' personal data, only a few can be enforced against crimes against customers' personal data. |
5. | Publisher | Organizing agency, location | Faculty of Law, Universitas Pattimura |
6. | Contributor | Sponsor(s) | Faculty of Law Pattimura University, Ambon |
7. | Date | (YYYY-MM-DD) | 2023-06-14 |
8. | Type | Status & genre | Peer-reviewed Article |
8. | Type | Type | |
9. | Format | File format | |
10. | Identifier | Uniform Resource Identifier | https://fhukum.unpatti.ac.id/jurnal/sasi/article/view/1528 |
10. | Identifier | Digital Object Identifier | 10.47268/sasi.v29i3.1528 |
11. | Source | Title; vol., no. (year) | SASI; Volume 29 Issue 3, September 2023 |
12. | Language | English=en | en |
13. | Relation | Supp. Files | |
14. | Coverage | Geo-spatial location, chronological period, research sample (gender, age, etc.) | |
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Copyright (c) 2023 Nancy Silvana Haliwela

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