Perlindungan Hukum Nasabah Bank Terhadap Adanya Kebocoran Data Pribadi Dihubungkan Dengan Asas Kerahasiaan Bank (Studi Kasus Kebocoran Data Bank Syariah Indonesia Tahun 2023)

Arfan  Hamdani; Agus  Prihartono; Rani Sri Agustina

doi:10.37950/joc.v5i3.812

Authors

Arfan Hamdani Fakultas Hukum Universitas Sultan Ageng Tirtayasa
Agus Prihartono Fakultas Hukum Universitas Sultan Ageng Tirtayasa
Rani Sri Agustina Fakultas Hukum Universitas Sultan Ageng Tirtayasa

DOI:

https://doi.org/10.37950/joc.v5i3.812

Abstract

The rapid development of digital technology within the banking sector has enhanced financial transactions. However, it triggers critical risks to the security of customers' personal data. The system disruptions and alleged data breaches experienced by Bank Syariah Indonesia in 2023 cause legal issues concerning personal data protection, corporate liability, and the enforcement of the principle of bank secrecy within the digital banking ecosystem. The purpose of this research is to analyze legal protection of customer’s personal data breaches and legal responsibility of the bank using bank secrecy principle. This research utilizes normative legal research with a statutory approach, conceptual approach and case approach. Primary, secondary and tertiary sources are used sas legal materials. The legal materials are analyzed qualitatively. The results show that although the legal protection of customers against personal data breaches has been regulated in the Personal Data Protection Law, the Banking Law, the Sharia Banking Law, and various regulations in the financial services sector, the protection is still not optimal. This is because of systemic failures in electronic system security regulations, obscure banking liability mechanisms and insufficient improvement for victims of data breaches. Moreover, the principle of bank secrecy needs to be reinvented in the digital age. The bank should not only serve as a safeguard for the customers’ deposits but it must also fully incorporate the protection of customers’ electronic personal data. This study concludes that banks, in their capacity as personal data controllers, have a strict legal responsibility to secure customer data and maintain electronic system integrity. Consequently, solid regulatory reinforcement, enhanced banking cybersecurity, and more effective control are imperative to guarantee genuine legal protection for customers within Indonesia’s digital banking framework.

Keywords: Legal Protection, Personal Data, Customers, Bank Princple Secrecy, Digital Banking

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