Puput, Adela (2024) TANGGUNG JAWAB BANK SEBAGAI PENYELENGGARA SISTEM ELEKTRONIK PERBANKAN TERHADAP KERUGIAN NASABAH ATAS LAYANAN PERBANKAN (Studi Kasus: Gangguan Seluruh Jasa Layanan Bank Syariah Indonesia). S1 thesis, Universitas Sultan Ageng Tirtayasa.
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Abstract
The banking system in Indonesia has two kinds of banking operational systems. The two banking systems are conventional banks and Islamic banks. Islamic banks in recent years have been popular among the public. However, the journey of Islamic banks in serving the community does not always run smoothly, such as the case that occurred at Bank Syariah Indonesia (BSI). BSI customers complained about banking service disruptions so that they could not access the service. BSI stated that it was conducting maintenance so that banking services could not be used. After several days of disruption, the SOE minister said that the disruption was not due to maintenance but due to a cyber attack on the BSI system. The SOE minister's statement indicates that BSI is not transparent in providing information to customers. The problem identification in this thesis is how the legal protection obtained by BSI customers and how BSI's responsibility for electronic banking system service disruptions due to cyber attacks. The research method used is normative juridical method and uses secondary data. The data was collected through literature study and then analyzed qualitatively. This research aims to examine the legal protection obtained by the customer when there is a service disruption and the responsibility of BSI for not providing clear and accurate information about the disruption of their bank service system. The legal protection provided by BSI to customers is to provide information transparency and BSI must provide access to dispute resolution through the Consumer Dispute Resolution Agency. The responsibility provided by BSI is to provide customer complaint services. Then the bank must create a disaster recovery system. The bank is also obliged to have a Disaster Recovery Center. The suggestion from the researcher is that BSI needs to improve information transparency to customers and improve the security of data and personal information of customers through checking and maintaining reliable information technology.
| Item Type: | Thesis (S1) | |||||||||
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| Additional Information: | Sistem perbankan di Indonesia memiliki dua macam sistem operasional perbankan. Kedua sistem perbankan tersebut adalah bank konvensional dan bank syariah. bank syariah dalam beberapa tahun terakhir ini populer di kalangan masyarakat. Akan tetapi perjalanan bank syariah dalam melayani masyarakat tidak selalu berjalan mulus seperti kasus yang terjadi pada Bank Syariah Indonesia (BSI). Nasabah BSI mengeluhkan gangguan layanan perbankan sehingga tidak dapat mengakses layanan tersebut. Pihak BSI menyatakan tengah melakukan maintenance sehingga layanan perbankan tidak dapat digunakan. Setelah beberapa hari gangguan menteri BUMN mengatakan bahwa gangguan tersebut bukan karena maintenance melainkan karena serangan cyber terhadap sistem BSI. Pernyataan menteri BUMN tersebut menandakan BSI tidak transparan dalam memberikan informasi kepada nasabah. Identifikasi masalah dalam skripsi ini adalah bagaimana perlindungan hukum yang didapat oleh Nasabah BSI dan bagaimana tanggung jawab BSI terhadap gangguan layanan sistem elektronik perbankan akibat serangan cyber. Metode penelitian yang digunakan adalah metode yuridis normatif dan menggunakan data sekunder. Pengumpulan data tersebut melalui studi kepustakaan kemudian dianalisis secara kualitatif. Penelitian ini bertujuan untuk meneliti tentang perlindungan hukum yang didapat oleh Nasabah saat terjadi gangguan layanan dan tanggungjawab BSI karena tidak memberikan informasi yang jelas dan akurat mengenai gangguan pada sistem pelayanan bank mereka. Perlindungan hukum yang diberikan oleh BSI kepada nasabah adalah memberikan transparansi informasi serta BSI harus memberikan akses untuk penyelesaian sengketa melalui Badan Penyelesaian Sengketa Konsumen. Tanggung jawab yang diberikan oleh BSI adalah dengan menyediakan layanan pengaduan nasabah. Kemudian pihak bank harus membuat sebuah sistem pemulihan bencana. Pihak bank juga berkewajiban untuk memiliki Pusat Pemulihan Bencana (Disaster Recovery Center). Saran dari peneliti adalah pihak BSI perlu memperbaiki transparansi informasi kepada nasabah serta meningkatkan keamanan data dan informasi pribadi nasabah melalui pengecekan dan pemeliharaan teknologi informasi yang andal. | |||||||||
| Uncontrolled Keywords: | Banking Service Disruption, Information Transparency, BSI Bank. Gangguan Layanan Perbankan, Transparansi Informasi, Bank BSI. | |||||||||
| Subjects: | K Law > K Law (General) | |||||||||
| Divisions: | 01-Fakultas Hukum > 74201-Program Studi Ilmu Hukum 01-Fakultas Hukum |
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| Depositing User: | Puput Adela | |||||||||
| Date Deposited: | 06 Aug 2024 14:17 | |||||||||
| Last Modified: | 06 Aug 2024 14:17 | |||||||||
| URI: | http://eprints.untirta.ac.id/id/eprint/38805 |
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