Rahadiani, Nonik (2024) PENGAWASAN OTORITAS JASA KEUANGAN TERHADAP PERLINDUNGAN DATA KONSUMEN PADA BANK DIGITAL DIHUBUNGKAN DENGAN PERATURAN OTORITAS JASA KEUANGAN (POJK) NOMOR 12/POJK.03/2021 (STUDI KASUS BANK JENIUS). S1 thesis, UNIVERSITAS SULTAN AGENG TIRTAYASA.
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Abstract
The shift in consumer behavior towards digital consumption is driving the banking sector to accelerate its transformation towards digital banking. While this digital transformation offers opportunities for the banking industry, it also presents challenges that need to be addressed, such as personal data protection and the risk of data breaches. The prevalence of data breach incidents has become a significant concern, including for Bank Jenius. The research problem identified in this thesis includes how the Financial Services Authority (OJK) supervises consumer data protection in digital banks in Indonesia and how the OJK imposes sanctions on digital banks like Jenius in the event of consumer data protection violations, based on OJK Regulation (POJK) No. 12/POJK.03/2021 concerning Commercial Banks. The theories used in this study are the legal protection theory and the responsibility theory. The research method employed is the normative juridical method, utilizing secondary data from literature studies and supported by primary data obtained from interviews. Based on the research conducted, it can be concluded that the OJK has implemented direct supervision of banks and consumers. Direct supervision of digital banks is carried out through the issuance of SEOJK No. 24/SEOJK.03/2023 on the Digital Maturity Level of Commercial Banks and SEOJK No. 29/SEOJK.03/2022 on Cyber Resilience and Security for Commercial Banks, which provide guidelines for the banking industry regarding digitalization. This includes an annual examination of all digital banks and the Consumer Protection Portal Application (APPK) for direct supervision of customers. In the case of the Jenius customer named Theresia Avila, who lost 110 million rupiah, Article 31 of POJK No. 12/POJK.03/2021 concerning Commercial Banks cannot be applied to Jenius because the loss was entirely due to the customer's own fault. Keywords: Digital Bank, Consumer Data Protection, Jenius, OJK
| Item Type: | Thesis (S1) | |||||||||
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| Additional Information: | Perubahan pola konsumsi masyarakat kearah digital mendorong perbankan mengakselerasi proses transformasi menuju perbankan digital. Disamping membawa peluang yang dapat dimanfaatkan oleh industry perbankan, transformasi digital memunculkan tantangan yang perlu diwaspadai, salah satunya perlindungan data pribadi dan resiko kebocoran data. Banyaknya kasus kebocoran data menjadi perhatian. salah satunya Bank Jenius. Identifikasi masalah dalam skripsi ini adalah Bagaimana pengawasan Otoritas Jasa Keuangan Terhadap Perlindungan Data Konsumen Pada Bank Digital di Indonesia dan Bagaimana penerapan sanksi oleh Otoritas Jasa Keuangan terhadap pihak bank digital Jenius apabila terjadi pelanggaran perlindungan data konsumen berdasarkan Peraturan Otoritas Jasa Keuangan (POJK) NOMOR 12/POJK.03/2021 Tentang Bank Umum. Teori yang digunakan dalam penelitian ini adalah teori perlindungan Hukum dan Teori Tanggung Jawab. Metode penelitian yang digunakan adalah metode yuridis normatig dengan menggunakan data sekunder berupa studi pustaka dan didukung data primer yang diperoleh dari wawancara. Berdasarkan penelitian yang telah dilakukan dapat disimpulkan bahwa OJK telah melakukan pengawasan secara langsung kepada Bank dan konsumen. pengawasan secara langsung kepada bank digital melalui lahirnya SEOJK Nomor 24/SEOJK.03/2023 tentang Tingkat Maturitas Digital Bank Umum serta SEOJK Nomor 29/SEOJK.03/2022 tentang Ketahanan dan Keamanan Siber Bagi Bank Umum, yang dapat menjadi panduan bagi industry terkait digitalisasi bagi industry perbankan, pemeriksaan terhadap seluruh Bank digital minimal 1 kali dalam setahun, dan Aplikasi Portal Perlindungan Konsumen (APPK) untuk pengawasan secara langsung terhadap nasabah. Dalam kasus nasabah jenius atas nama theresia avila yang kehilangan dana sebesar 110 juta , pasal 31 POJK) NOMOR 12/POJK.03/2021 Tentang Bank Umum tidak dapat diberlakukan jenius karena merupakan kesalahan nasabah secara mutlak. Kata Kunci : Bank Digital, Perlindungan Data Konsumen, Jenius, OJK | |||||||||
| Subjects: | K Law > K Law (General) | |||||||||
| Divisions: | 01-Fakultas Hukum > 74201-Program Studi Ilmu Hukum | |||||||||
| Depositing User: | Mrs Nonik Rahadiani | |||||||||
| Date Deposited: | 21 Aug 2024 09:03 | |||||||||
| Last Modified: | 21 Aug 2024 09:03 | |||||||||
| URI: | http://eprints.untirta.ac.id/id/eprint/40569 |
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