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: May. 10, 2025. [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: 10 May 2025)

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 May 10, 2025. 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 2025 May 10];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 10 May. 2025.

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}
		}

RefWorks:

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Journal Article

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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	PDF

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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