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Abstract
Abstract
This study aimed to examine the legal protection and accountability of banks towards the security of customers’ personal data and deposit in a card skimming case. The research used the normative-empirical approach to related laws and regulations, which were then correlated with the practical implementation. Through a descriptive analysis, this study explained the existing regulations associated with legal theories in practice. Data collection was conducted through library research and interviews. The results indicated that banks are responsible for losses suffered by customers due to card skimming thefts provided that it is proven with CCTV camera recordings and there is no element of negligence from the customer as a victim. Legal protection for customers relating to the accountability of banks should be based on Law No. 8 of 1999 on Consumer Protection, Bank Indonesia Regulation No. 16/1/PBI/2014 concerning Consumer Protection of Payment System Services, and Regulation of Financial Services Authority No. 1/POJK.07/2013 regarding Consumer Protection of Financial Services Sector.
Keywords: Banking; ATM cards; ATM machine; card skimming
Abstrak
Penulisan ini bertujuan untuk mengetahui perlindungan hukum serta pertanggungjawaban pihak bank terhadap keamanan data pribadi nasabah maupun dana simpanan nasabah yang ada pada bank dalam kasus card skimming. Penelitian ini menggunakan pendekatan normatif-empiris yaitu pendekatan undang-undang dan regulasi yang bersangkut paut lalu dikaitkan dengan penerapannya yang terjadi di lapangan. Penelitian ini bersifat deskriptif analisis yang mana menggambarkan peraturan-peraturan yang berlaku dikaitkan dengan teori-teori hukum dalam praktek pelaksanaannya. Pengumpulan data dilakukan dengan cara library research dan wawancara. Hasil penelitian ini menunjukkan bahwa bank bertanggungjawab terhadap kerugian yang dialami nasabah atas pencurian dengan modus card skimming, dengan catatan harus dibuktikan dengan rekaman kamera cctv dan tidak ada unsur kelalaian dari pihak nasabah yang menjadi korban. Perlindungan hukum kepada nasabah berkaitan dengan pertanggungjawaban yang diberikan pihak bank yaitu berdasarkan Undang-Undang No. 8 Tahun 1999 tentang Perlindungan Konsumen, PBI No. 16/1/PBI/2014 tentang Perlindungan Konsumen Jasa Sistem Pembayaran dan POJK No. 1/POJK.07/2013 tentang Perlindungan Konsumen Sektor Jasa Keuangan.
Kata-kata Kunci: Perbankan; kartu ATM; mesin ATM; card skimming
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