Perlindungan hukum terhadap penyalahgunaan one time password sebagai sarana transaksi digital perbankan

Gondowidjaja, Michael (2021) Perlindungan hukum terhadap penyalahgunaan one time password sebagai sarana transaksi digital perbankan. Masters thesis, UNIVERSITAS ELITA HARAPAN.

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Abstract

Penelitian ini membahas tentang perlindungan hukum terhadap penyalahgunaan one time password sebagai sarana transaksi perbankan digital. Pihak Perbankan seharusnya menjaga kerahasiaan data nasabah dan menjamin keamanan dalam proses transaksi digital. Peretasan kode OTP dapat dikategorikan sebagai kelalaian bank serta merupakan tindakan tidak bertanggung jawab yang menimbulkan kerugian materiil terhadap nasabah. Bank bertanggung jawab atas tindakan penyalahgunaan one time password yang terjadi dikarenakan data nasabah yang seharusnya dijaga dengan ketat oleh pihak perbankan justru terbuka atau diketahui oleh pihak lain. Bank juga memiliki kewajiban dan tanggung jawab untuk mengawasi kinerja operasional perbankan, maka bank tetap bertanggung jawab atas kerugian yang telah diakibatkan tersebut, baik secara materiil maupun immateriil. / This study discusses legal protection against missuse of one time passwords as a means of digital banking transactions. The banking sector should maintain the confidentiality of customer data and ensure security in the digital transaction process. OTP code hacking can be categorized as bank negligence and is an irresponsible act that causes material loss to customers. Bank is responsible for the misuse of one time passwords that occur because customer data that should be closely guarded by the banking sector is actually exposed or known by other parties. The bank also has the obligation and responsibility to oversee the operational performance of the banking sector, so the bank remains responsible for the losses that have been caused, both materially and immaterial.

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