Legal protection of personal data of banking customers in Indonesia: Human rights perspective
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Published:
Jul 30, 2024
Keywords:
Banking, Human Rights, Legal Protection
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Abstract
The digital era has rapidly transformed various sectors, including the banking sector. The use of the internet in banking transactions has made transactions easier, faster, and more efficient. However, the efficiency of these transactions comes with risks. The implementation of banking activities in Indonesia is accompanied by the precautionary principle, as the government is obligated to provide direction and guidance on economic growth and create a healthy business climate. Mobile banking has experienced a significant increase in Indonesia, with banks like Bank BRI, Bank BNI, Bank Mandiri, and Bank BCA experiencing significant increases in users. However, the rise in mobile banking users is also accompanied by threats related to data leakage. The banking sector has experienced rampant cyber attacks in 2024, indicating that customer data security is vulnerable to hacking and misuse. This study aims to discuss the nature of legal protection for personal data of banking customers from a human rights perspective and the model of legal protection for banking customer data in Indonesia.
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How to Cite
Rama, B. G. A., & Rusmana, I. P. . E. (2024). Legal protection of personal data of banking customers in Indonesia: Human rights perspective. Journal of Law Science, 6(3), 367-375. https://doi.org/10.35335/jls.v6i3.5122
References
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Tibaka, L., & Rosdian, R. (2017). The Protection of human rights in Indonesian constitutional law after the amendment of the 1945 constitution of the republic of Indonesia. FIAT JUSTISIA: Jurnal Ilmu Hukum, 11(3), 266–288.
Watkins, D. (2017). Research methods in law. Routledge.
Austin, L. M. (2019). Re-reading westin. Theoretical Inquiries in Law, 20(1), 53–81.
Benami, E., & Carter, M. R. (2021). Can digital technologies reshape rural microfinance? Implications for savings, credit, & insurance. Applied Economic Perspectives and Policy, 43(4), 1196–1220.
Bratman, B. (2001). Brandeis and Warren’s The Right to Privacy and the Birth of the Right to Privacy. Tenn. L. Rev., 69, 623.
Christiani, T. A., & Kastowo, C. (2019). The obligation of bank to provide customer financial information due to taxation: Violating of bank secrecy? J. Legal Ethical & Regul. Isses, 22, 1.
Cleveland, C. E. (2016). A Study on How Mobile Banking Has Affected the Banking Industry: Has Mobile Banking Improved Bank Performance?
Domaradzki, S., Khvostova, M., & Pupovac, D. (2019). Karel Vasak’s generations of rights and the contemporary human rights discourse. Human Rights Review, 20(4), 423–443.
Fahrurozi, R. (2020). A PROBLEMATICS OF THE SECRET DISCLOSURE OF BANKS BETWEEN STATE INTEREST AND PROTECTION TO CUSTOMERS. Dialogia Iuridica, 11(2), 70–86.
Hisbulloh, M. H. (2021). Urgensi Rancangan Undang-Undang (RUU) Perlindungan Data Pribadi. Jurnal Hukum, 37(2), 119–133.
Kusuma, A. C., & Rahmani, A. D. (2022). Analisis Yuridis Kebocoran Data Pada Sistem Perbankan Di Indonesia (Studi Kasus Kebocoran Data Pada Bank Indonesia). SUPREMASI: Jurnal Hukum, 5(1), 46–63.
La Juwi, L. S., Moenta, A. P., & Halim, H. (2023). RESTRICTIONS ON FREEDOM OF EXPRESSION IN INDONESIA FROM A HUMAN RIGHTS PERSPECTIVE. Jurnal Cahaya Mandalika ISSN 2721-4796 (Online), 4(3), 496–513.
Laras, A. (2023a). Hadapi Tren Serangan Siber Trojan 2024, Bank Jago (ARTO) Pastikan Data Nasabah Aman. Bisnis.Com. https://finansial.bisnis.com/read/20231124/90/1717512/hadapi-tren-serangan-siber-trojan-2024-bank-jago-arto-pastikan-data-nasabah-aman
Laras, A. (2023b). Jumlah Pengguna Mobile Banking Mandiri, BRI, BCA, dan BNI Jumbo, Siapa Teratas? Bisnis.Com. https://finansial.bisnis.com/read/20231123/90/1717069/jumlah-pengguna-mobile-banking-mandiri-bri-bca-dan-bni-jumbo-siapa-teratas
Makarim, E. (2021). Privacy and personal data protection in indonesia: the hybrid paradigm of the subjective and objective approach. Data Protection Around the World: Privacy Laws in Action, 127–164.
Mandjo, J., & Sarson, M. T. Z. (2021). The Right to Obtain Free Assistance and Legal Protection for The Indigent People Through Legal Assistance Organizations. Jambura Law Review, 3(2), 365–377.
Nugroho, R. M., & Abdullah, M. R. (2020). Urgency of Rights Settings to be Forgotten in Electronic Personal Information with Government Regulations. International Conference on Law Reform (INCLAR 2019), 217–221.
Nurulhaq, L. S., Junus, N., & Towadi, M. (2023). Juridical Review Legal Protection On The Use Of Customer Data By Bri Bank Kc Gorontalo City. Journal Evidence Of Law, 2(2), 22–36.
Phillips, M. (2018). International data-sharing norms: from the OECD to the General Data Protection Regulation (GDPR). Human Genetics, 137, 575–582.
Rahman, M. H. (2020). The Universal Declaration of Human Rights (UDHR) as Foundation of the International Human Rights Law.
Ratnasari, P., & Prabandari, A. P. (2022). Legal Protection of the Rights of Suspects in Criminal Case Investigation Process in Human Rights Perspective. International Journal of Social Science And Human Research, 5.
Romanosky, S., & Acquisti, A. (2009). Privacy costs and personal data protection: Economic and legal perspectives. Berkeley Tech. LJ, 24, 1061.
Rössler, B. (2018). The value of privacy. John Wiley & Sons.
Shestack, J. J. (2017). The philosophic foundations of human rights. In Human Rights (pp. 3–36). Routledge.
Solove, D. J. (2002). Conceptualizing privacy. Calif. L. Rev., 90, 1087.
Tibaka, L., & Rosdian, R. (2017). The Protection of human rights in Indonesian constitutional law after the amendment of the 1945 constitution of the republic of Indonesia. FIAT JUSTISIA: Jurnal Ilmu Hukum, 11(3), 266–288.
Watkins, D. (2017). Research methods in law. Routledge.
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