Perlindungan Hukum Terhadap Nasabah Mobile Banking dalam Transaksi Perbankan
DOI:
https://doi.org/10.23887/jkh.v7i1.31463Keywords:
legal protection for mobile banking custumersAbstract
This essay discusses the legal protection for mobile banking custumers, because the mobile banking product as one of the delivery many benefits but contain many risk on the other side that could cause losses for the custumers. Therefore, the protection for mobile banking custumers is requiered in order to protect the rights of the custumers banking servise. The study was conducted to determine how the indonesian low and regulations that protect mobile banking custumers in banking transaction in case of the error transaction electronic in review of low number 11 of 2008 on information and electronic transactionsas well as the bank’s responsibility for the mobile banking custumers in case of a transaction error. This study is a normative study with the literature research method to analyze the book of legal literature and the low number 8 of 1999 about the custumers protection, low number 10 of 1998 about the indonesia banking sistem, low number 11 of 2008 about the transaction and electronic information. The result showed that although there is no customers legislation that specificaly regulates mobile banking, but in indonesia positive legal order there are laws and regulation which has provided legal protection for mobile banking custumers. There are law number 11 of 2008 about information and electronic transaction as contained in article 1.2 and 3. The bank’s responsibility to the custumer in case of error transaction. The loss is a proxy of fullfillment of one custumers protection law. Right to copensation in accordance with the treaty law in article 1313 civil law. Then the current legislation already includes aspects of legal protection for mobile banking custumers.
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Authors who publish with this journal agree to the following terms:
- Authors retain copyright and grant the journal right of first publication, with the work [SPECIFY PERIOD OF TIME] after publication simultaneously licensed under aCreative Commons Attribution License that allows others to share the work with an acknowledgement of the work's authorship and initial publication in this journal.
- Authors are able to enter into separate, additional contractual arrangements for the non-exclusive distribution of the journal's published version of the work (e.g., post it to an institutional repository or publish it in a book), with an acknowledgement of its initial publication in this journal.
- Authors are permitted and encouraged to post their work online (e.g., in institutional repositories or on their website) prior to and during the submission process, as it can lead to productive exchanges, as well as earlier and greater citation of published work (See The Effect of Open Access).
