Analisis Yuridis Perlindungan Hukum bagi Nasabah atas Kerugian Kehilangan Saldo pada Aplikasi BRIMO Berdasarkan Undang-Undang Nomor 10 Tahun 1998 tentang Perbankan
DOI:
https://doi.org/10.30640/dewantara.v5i1.7408Keywords:
Banking Law, BRIMO, Customer Protection, Digital Banking, Legal LiabilityAbstract
The rapid development of digital banking has improved the efficiency and accessibility of financial services while simultaneously increasing the risk of cybercrime, particularly phishing, unauthorized access, and the loss of customers' funds. This study aims to analyze the legal protection available to customers who suffer financial losses due to balance depletion in the BRIMO application and to examine the legal liability of banks under Law Number 10 of 1998 concerning Banking. This research employed normative legal research using statutory and conceptual approaches. The legal materials consisted of primary, secondary, and tertiary legal sources analyzed through qualitative descriptive methods. The findings indicate that legal protection for banking customers is provided through preventive measures, including the application of the prudential principle, information technology risk management, personal data protection, and customer education, as well as repressive measures through dispute resolution mechanisms. However, the existing legal framework has not specifically regulated the allocation of liability in digital banking transactions. Banks may be held liable when losses result from weaknesses in security systems or failures in implementing risk management. Therefore, more specific regulations are required to strengthen legal certainty and ensure balanced legal protection for both banks and customers in the digital banking sector.
References
Abdullah, N. P. (2024). Analisis yuridis perlindungan nasabah bank dalam tindak pidana pencurian data melalui UU ITE dan UU Perbankan. Media Hukum Indonesia (MHI), 2(4).
Ahmad. (2024). Buku ajar metode penelitian & penulisan hukum. Sonpedia Publishing Indonesia.
Amalia, E. (2019). Hukum perikatan. Universitas Tama Jagakarsa.
Amin, S. N. (2023). Buku ajar hukum perjanjian. Deepublish Digital.
Departemen Penelitian dan Pengaturan Perbankan, Otoritas Jasa Keuangan. (2021). Consultative paper manajemen risiko keamanan siber bank umum. Otoritas Jasa Keuangan.
Djaja, B. (2020). Hukum perbankan. CV Andi Offset.
Gozali, D. S., & Usman, R. (2024). Hukum perbankan. Sinar Grafika.
Kitab Undang-Undang Hukum Perdata.
Kristiawanto. (2022). Memahami penelitian hukum normatif. Prenada Media.
Muhaimin, S. (2020). Metode penelitian hukum. UPT Mataram University Press.
Nugraheni, T. (2024). Analisis yuridis penerapan perlindungan hukum dalam melindungi pengguna layanan internet banking dari cyber crime. Jurnal Hukum, Politik dan Ilmu Sosial, 3(2). https://doi.org/10.55606/jhpis.v3i2.3715
Otoritas Jasa Keuangan. (2022). Peraturan Otoritas Jasa Keuangan Nomor 11/POJK.03/2022 tentang penyelenggaraan teknologi informasi oleh bank umum.
Otoritas Jasa Keuangan. (2023). Peraturan Otoritas Jasa Keuangan Nomor 22 Tahun 2023 tentang perlindungan konsumen dan masyarakat di sektor jasa keuangan.
Pesak, V. Y. (2025). Tanggung jawab hukum bank umum atas risiko layanan digital berdasarkan Peraturan Otoritas Jasa Keuangan. Lex Crimen, 14(3).
Purba, H. (2025). Hukum perikatan dan perjanjian. Sinar Grafika.
Purwantono, R. A. (2024). Pertanggungjawaban hukum: Regulasi dan keadilan. PT RajaGrafindo Persada.
Putera, A. P. (2019). Hukum perbankan: Analisis mengenai prinsip, produk, risiko dan manajemen risiko dalam perbankan. Scopindo Media Pustaka.
Romli. (2024). Perlindungan hukum. CV Doki Course and Training.
Savitri, P. (2024). Transformasi digital dalam industri perbankan: Implikasi terhadap akuntansi dan teknologi informasi. PT Nasya Expanding Management.
Sihotang, L., & Agustiawan. (2023). Upaya meningkatkan pemahaman dan keamanan dalam penggunaan aplikasi BRIMO kepada nasabah di PT Bank Rakyat Indonesia (BRI) Kantor KCP Ahmad Yani. Jurnal Sosial dan Pengabdian Masyarakat, 1(1). https://doi.org/10.59966/semar.v1i01.15
Suryanto. (2022). Metode penelitian hukum: Pengantar penelitian normatif, empiris dan gabungan. Unigres Press.
Tahir, R. (2023). Metode penelitian bidang hukum. Sonpedia Publishing Indonesia.
Undang-Undang Nomor 10 Tahun 1998 tentang Perubahan atas Undang-Undang Nomor 7 Tahun 1992 tentang Perbankan.
Undang-Undang Nomor 27 Tahun 2022 tentang Pelindungan Data Pribadi.
Undang-Undang Nomor 8 Tahun 1999 tentang Perlindungan Konsumen.
Downloads
Published
How to Cite
Issue
Section
License
Copyright (c) 2026 Alequesty Mariani Pandu, Orpa Juliana Nubatonis, Rini Marselin Kaesmetan
This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.
