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

Nancy Silvana Haliwela

doi:10.47268/sasi.v29i3.1528

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

Nancy Silvana Haliwela⁽¹⁾

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

Corresponding Author

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

Personal Data; Banking; Legal Protection

DOI

10.47268/sasi.v29i3.1528

Published

2023-06-14

How To Cite

APA: Haliwela, N.S. (2023). The Essence of Legal Protection of Personal Data of Customers In Banking Transactions. SASI, 29(3), 548-556. DOI: https://doi.org/10.47268/sasi.v29i3.1528.

IEEE: N.S. Haliwela, "The Essence of Legal Protection of Personal Data of Customers In Banking Transactions", SASI, vol. 29, no. 3, pp. 548-556, Jun. 2023. Accessed on: Nov. 21, 2024. [Online]. Available DOI: https://doi.org/10.47268/sasi.v29i3.1528

Harvard: Haliwela, N.S., (2023). "The Essence of Legal Protection of Personal Data of Customers In Banking Transactions". SASI, Volume 29(3), pp. 548-556. [Online]. Available DOI: https://doi.org/10.47268/sasi.v29i3.1528 (Accessed on: 21 November 2024)

Chicago: Haliwela, Nancy Silvana. "The Essence of Legal Protection of Personal Data of Customers In Banking Transactions." SASI 29, no. 3 (June 12, 2023): 548-556. Accessed November 21, 2024. doi:10.47268/sasi.v29i3.1528

Vancouver: Haliwela NS. The Essence of Legal Protection of Personal Data of Customers In Banking Transactions. SASI [Internet]. 2023 Jun 14 [cited 2024 Nov 21];29(3):548-556. Available from: https://doi.org/10.47268/sasi.v29i3.1528

MLA 8th: Haliwela, Nancy Silvana. "The Essence of Legal Protection of Personal Data of Customers In Banking Transactions." SASI, vol. 29, no. 3, 12 Jun. 2023, pp. 548-556, doi:10.47268/sasi.v29i3.1528. Accessed 21 Nov. 2024.

BibTeX:

@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}
		}

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