Perlindungan hukum terhadap nasabah kartu kredit atas kebocoran data diri

Utomo, Adi Priambodo Budi (2019) Perlindungan hukum terhadap nasabah kartu kredit atas kebocoran data diri. Masters thesis, Universitas Pelita Harapan.

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Abstract

Nowadays, the payment method is dinamically growing inline with modern technology era. The society is legally guaranteed by government in doing transaction using physical money. As a magnitude of transaction escalation accross the country, the risk of financial fraud, robbery and another conventional financial crime such as robbery, will destabilize the trust among communities and gradually will bear risk to the government law. Govenrnment commences to implement cashless system payment for public transaction as an alternative solution for above issues. One of the current popular method is credit card method. However, in such of many cases was found leakage in consumers’ private data. This data should be secure and restricted from illegal access. The illegal utilisation by hackers usually is used for specific intention without agreement from credit card holder. The bank through the security system has to secure these restricted data but the leakage still happened. The research is focusing on how to legally protect credit card consumers against data leakage, in which related on how governmnet through its regulation will guarantee or assure a protection to credit card consumers based on confidentiality principle. This research has applied normative approach which emphasize to data gathered from the regulation or positive legal norms. As this normative legal research is reflecting a research in the know-how platform in law persepective, then it sholud be part oef the alternative solutions for the emerging issues and by the process it shall be analised based on banking regulations in Indonesia such as Law no 10 / 1998 regarding Banking, Law no 9 / 2017 regarding Government’s Regulation for Law Subtitution No 1 / 2017 regarding Financial Information Access for Taxation Purpose and Bank Indonesia Regulation Np. 16/PBI/2014 regarding Consumer Protection on Payment System Service with its derivative regulation. / Saat ini alat pembayaran berkembang dinamis seiring dengan perkembangan zaman. Dengan menggunakan uang, masyarakat mendapatkan kepastian dalam nilai tukar yang dilakukan dalam bertransaksi. Namun penggunaan uang sebagai alat transaksi pembayaran mempunyai kendala dalam hal resiko yang ditimbulkan terlebih untuk uang dalam jumlah yang besar. Resiko tersebut berupa tindak pidana pencurian, perampokan dan pemalsuan uang. Pemerintah mulai memberlakukan sistem pembayaran tanpa menggunakan uang tunai untuk menghindari masyarakat dari resiko tersebut. Salah satu dari sistem pembayaran tanpa menggunakan uang yang saat ini sudah banyak digunakan oleh masyarakat adalah dengan kartu kredit. Namun dalam beberapa kasus yang terjadi di masyarakat, terdapat kebocoran data diri dari nasabah kartu kredit tersebut sehingga data diri nasabah kartu kredit dipakai oleh pihak lain untuk kepentingan tertentu tanpa sepengetahuan nasabah kartu kredit. Semestinya pihak Bank harus merahasiakan data diri nasabah dari Bank yang kemudian menjadi fokus permasalahan di penelitian ini yaitu bagaimana pengaturan mengenai jaminan perlindungan terhadap kerahasiaan data diri nasabah kartu kredit dan implementasi perlindungan kerahasiaan data diri nasabah kartu kredit di Indonesia terhadap kerugian yang diderita oleh nasabah yang sesuai dengan azas kerahasiaan. Penelitian ini menggunakan jenis penelitian normatif yang menitikberatkan terhadap data yang didapatkan dari aturan atau norma hukum positif dan menjadi bahan acuan utama dalam penelitian ini. Oleh karena itu, penelitian hukum normatif ini merupakan suatu penelitian di dalam kerangka know-how di dalam hukum. Atas dasar itu, menjawab permasalahan di dalam penelitian ini akan dianalisis berdasarkan pada ketentuan perbankan di Indonesia yaitu yang terkandung di dalam Undang-Undang No. 10 Tahun 1998 tentang Perbankan, Undang-Undang Nomor 9 Tahun 2017 Tentang Penetapan Peraturan Pemerintah Pengganti Undang-Undang Nomor 1 Tahun 2017 Tentang Akses Informasi Keuangan Untuk Kepentingan Perpajakan, dan Peraturan Bank Indonesia 16/1/PBI/2014 Tentang Perlindungan Konsumen Jasa Sistem Pembayaran beserta turunan peraturannya.

Item Type: Thesis (Masters)
Creators:
CreatorsNIMEmail
Utomo, Adi Priambodo BudiUNSPECIFIEDUNSPECIFIED
Contributors:
ContributionContributorsNIDN/NIDKEmail
Thesis advisorGunawan, EdyUNSPECIFIEDUNSPECIFIED
Uncontrolled Keywords: Personal Data ; Credit Card ; Data Privacy Leaks ; Bank Confidentiality
Subjects: K Law > K Law (General)
Divisions: University Subject > Current > Faculty/School - UPH Karawaci > Faculty of Law > Master of Law
Current > Faculty/School - UPH Karawaci > Faculty of Law > Master of Law
Depositing User: Users 15 not found.
Date Deposited: 26 Nov 2019 06:45
Last Modified: 26 Nov 2019 06:45
URI: http://repository.uph.edu/id/eprint/5782

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