Aspek Perlindungan Hukum Data Nasabah Bank untuk Pencegahan Tindak Pidana Siber
DOI:
https://doi.org/10.33603/hermeneutika.v10i2.11314Kata Kunci:
perlindungan hukum, data nasabah, perbankan digital, kejahatan siber, perlindungan data pribadiAbstrak
Perkembangan teknologi digital telah mendorong transformasi layanan perbankan menuju sistem yang semakin terintegrasi secara elektronik. (Andi Prastowo, 2022) Namun, kemajuan tersebut diiringi peningkatan risiko kejahatan siber yang mengancam data pribadi nasabah. (Laporan Tahunan Keamanan Siber Indonesia 2023). Penelitian ini bertujuan untuk menganalisis aspek perlindungan hukum terhadap data nasabah bank dalam sistem perbankan digital serta menilai efektivitas regulasi yang berlaku dalam mencegah tindak pidana siber. (Sinta Dewi Rosadi, 2022). Penelitian ini menggunakan metode yuridis normatif dengan pendekatan perundang-undangan, pendekatan konseptual, dan pendekatan kasus. (Peter Mahmud Marzuki, 20219). Bahan hukum yang dianalisis meliputi Undang-Undang Perbankan, Undang-Undang Informasi dan Transaksi Elektronik (ITE) terbaru, Undang-Undang Perlindungan Data Pribadi (PDP), peraturan OJK, serta beberapa putusan dan kasus kebocoran data perbankan. (Otoritas Jasa Keuangan, 2022). Hasil penelitian menunjukkan bahwa meskipun kerangka regulasi telah tersedia, masih terdapat celah norma, tumpang tindih kewenangan, dan lemahnya mekanisme pengawasan yang menghambat perlindungan hukum secara optimal. (Ahmad M. Ramli, 2021). Selain itu, praktik keamanan siber pada lembaga perbankan belum sepenuhnya memenuhi standar perlindungan data yang memadai, sehingga membuka peluang terjadinya pembobolan, phising, skimming, dan bentuk kejahatan siber lainnya. Penelitian ini menegaskan pentingnya harmonisasi regulasi, peningkatan keamanan informasi, serta penguatan penegakan hukum untuk menjamin perlindungan data nasabah bank di era digital. (Lawrence M. Friedman, 1975).
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