Perlindungan hukum terhadap gangguan server dalam penggunaan mobile banking di Bank Sumut

Reinaldo, Reinaldo (2021) Perlindungan hukum terhadap gangguan server dalam penggunaan mobile banking di Bank Sumut. Bachelor thesis, Universitas Pelita Harapan.

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Abstract

Tujuan Penelitian ini adalah Mengetahui Hubungan Antara Perbankan Dan Nasabah Di Dalam Transaksi Elektronik, Mengetahui Perlindungan Hukum Nasabah Pengguna Mobile Banking Menurut Peraturan Perundang-Undangan dan Mengetahui Pelaksanaan Perlindungan Hukum Penggunaan Mobile Banking Terhadap Gangguan Server Metode penelitian hukum yang digunakan dalam penelitian ini adalah penelitian yuridis normatif yang merupakan penelitian yang dilakukan atau di tujukan hanya pada peraturan-peraturan yang tertulis dengan sifat penelitian deskriptif analisis yang merupakan suatu metode yang berfungsi untuk mendeskripsikan atau memberi gambaran terhadap objek yang diteliti melalui data atau sampel dan membuat kesimpulan yang berlaku untuk umum. Sumber data yang digunakan dalam penelitian ini adalah data primer dan sekunder dan analisis data kualitatif yang merupakan pengamatan fenomena yang di peroleh dari data-data yang di peroleh. Hasil dari penelitian ini adalah Hubungan hukum antara bank dan nasabah dalam hal ini di Bank Sumut di dalam penggunaan banking adalah hubungan kontraktual sebagaimana diatur dalam KUHperdata, hubungan kontrak tersebut dalam bentuk formulir penggunaan layanan Mobile Banking baik secara terlulis maupun secara elektronik yang substansinya dalam bentuk kontrak baku dimana pihak perbankan telah menentukan secara sepihak ketentuan-ketentuan didalam kontrak tersebut yang memuat hak dan kewajiban bagi kedua belah pihak. Perlindungan Hukum Nasabah Pengguna Mobile Banking diatur didalam UUPK dan UU ITE dari sektor perundang-undangan terkait perbankan sendiri pengaturan terkait perlindungan hukum penggunaan Mobile banking diatur didalam Peraturan Bank Indonesia dan Peraturan OJK terkait managemen resiko dan transaksi elektronik. perlindungan atas konsumen tidak terlalu dipenuhi sebab yang membuat formulir adalah pihak Bank Sumut, sehingga konsumen atau Nasabah pengguna Mobile Banking hanya dapat menerima atau menolak hal tersebut tanpa dapat menganggu gugat isi formulir tersebut. Pelaksanaan Perlindungan Hukum Penggunaan Mobile Banking Terhadap Gangguan Server dalam hal ini bagi nasabah dan pengguna Sumut Mobile di Bank Sumut dapat dinyatakan belum memadai karena tidak ada regulasi khusus terkait Penggunaan Mobile Banking namun nasabah dapat menggunakan UUPK dan UUITE sebagai dasar dalam menuntut kompensasi dan ganti rugi atas kerugian yang dialami nasabah akibat Gangguan Server. / The purpose of this study is to know the relationship between banking and customers in electronic transactions, to know the legal protection of Mobile banking users according to laws and regulations and to know the implementation of legal protection for the use of Mobile banking against server disturbances. The legal research method used in this research is normative juridical research which is research carried out or aimed only at written regulations with the nature of descriptive analysis research which is a method that serves to describe or provide an overview of the object under study through data or sample and draw conclusions that apply to the general public. Sources of data used in this study are primary and secondary data and qualitative data analysis which is the observation of phenomena obtained from the data obtained. The results of this study are the legal relationship between banks and customers in this case at Bank Sumut in the use of Mobile banking is a contractual relationship as stipulated in the Civil Code, the contractual relationship is in the form of a form for using Mobile banking services both in writing and electronically whose substance is in the form of standard contract where the banking party has unilaterally determined the provisions in the contract which contains the rights and obligations for both parties. Legal Protection for Mobile Banking User Customers is regulated in the UUPK and UU ITE from the legislation sector related to banking itself. Regulations related to the legal protection for the use of Mobile banking are regulated in Bank Indonesia Regulations and OJK Regulations related to risk management and electronic transactions. protection for consumers is not fulfilled because the Bank of North Sumatra is the party making the form, so that consumers or customers using Mobile Banking can only accept or reject it without being able to challenge the contents of the form. The implementation of legal protection for the use of Mobile banking against server disturbances, in this case for customers and users of North Sumatra Mobile at Bank Sumut, can be declared inadequate because there are no special regulations related to the use of Mobile banking but customers can use UUPK and UUITE as a basis for claiming compensation and compensation for losses suffered by customers due to Server Disturbance.

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