PERLINDUNGAN HUKUM TERHADAP KERAHASIAN DATA PRIBADI NASABAH DI ERA DIGITALISASI PERBANKAN

Abstrak

Driven by the rapid advancement of information technology, significant changes have occurred in societal behaviour, which also impacted the banking sector, with banks transforming their services through digital services and the emergence of many digital banks. However, this technological change is not always accompanied by changes in existing laws, leading to new issues regarding the protection of customers' personal data. It raises questions about whether current laws and regulations adequately protect the personal data of users of digital banking services and the responsibilities of banks in safeguarding the confidentiality of customer data when providing digital services. This research uses a normative approach, focusing on the study of current laws and regulations (statute approach) and their interrelationships. The research finds that since the enactment of UU No. 27 th 2022 on Personal Data Protection, followed by UUNo. 4 th 2022 on the Development and Strengthening of the Banking Sector, which updates banking laws, as well as the issuance of Bank Indonesia regulations and OJK regulations governing digital services and consumer protection, there is now a legal framework and certainty regarding the protection of customers' personal data. Additionally, these laws clarify the responsibilities of banks in securing and maintaining the confidentiality of customer data in the collection, processing, and use of such data.