LEGAL PROTECTION OF PERSONAL DATA OF DIGITAL BANK CUSTOMERS IN INDONESIA

Abstract

Advances in technology and information have brought changes to various industrial sectors, including the banking sector. The community's need for technology has led to digital transformation in the banking world and innovations, namely, digital banks. The use of information technology also carries certain risks because it contains data and information transmitted via the internet, thereby allowing the risk of cyberattacks. This can raise concerns about the protection of customers' funds and personal data on digital banks. This study aims to analyze the legal protection of digital bank customers in Indonesia. In this study, the writer using a normative legal method with secondary data sources. The data collection technique used in this writing is a literature study by assessing the laws and regulations related to the legal protection of personal data, especially on personal data of digital bank customers and other literature that supports research. The data obtained is analyzed qualitatively. By reviewing several regulations related to personal data protection, several regulations already regulate preventive and repressive actions regarding actions to deal with personal data leaks carried out by internal parties or external parties that force the bank without the customer's approval or things excluded from Banking Law and Financial Services Authority Regulations. However, there are no special regulations in the banking sector if the consumer's data is leaked due to cyberattacks.