Perlindungan hukum bagi nasabah mobile banking menurut ketentuan peraturan perundang-undangan yang berlaku

Baringin, Bimanta (2017) Perlindungan hukum bagi nasabah mobile banking menurut ketentuan peraturan perundang-undangan yang berlaku. Masters thesis, Universitas Pelita Harapan.

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Abstract

Bank is a place for customer to store their funds. Customer willing to stored their funds base on principle of trust. Bank is obligated to guarantee customer’s funds in the bank. In fact when a criminal break the customer’s fund through the mobile banking service, the bank does not be responsible. The cellular operator also responsible into this because they duplicated the customer phone number, so the criminal can received the mobile banking activation code. The problem of this thesis is: How is the law protection for mobile banking according to the provision of applicable laws and regulations? How is the responsibility of the bank and cellular operator on the loss of customer’s funds through mobile banking? To answer the above problems, the author uses Normative legal research, using secondary data and qualitative analysis. The research results are the law protection for mobile banking can be seen on Law No.7 Year 1992 jo Law No. 10 Year 1998 about Banking, Law No. 8 Year 1999 about Consumer Protection, and Law No. 11 Year 2008 about Information and Electronic Transaction. However the implementation of law protection for mobile banking customer are not optimal, because there are still a lot of customer that is harmed as the result of losing funds through mobile banking services. Although there is a lot of regulations regarding the law protection of mobile banking customer, the bank and the cellular operator can find loopholes to escape from their responsibilities

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