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Articles

Vol. 6 No. 2 (2022): Unram Law Review(ULREV)

Consumer Protection Of Mobile Banking Users (Case Study Of Commonwealth Mobile Banking Account Breaking On Behalf Of Ilham Bintang)

DOI
https://doi.org/10.29303/ulrev.v6i2.244
Submitted
June 19, 2022
Published
2022-10-30

Abstract

Bank services, in general, are services to store customer funds safely. As one of the bank's primary services, customers have the right to obtain guarantees for funds deposited in the relevant bank. In its development, bank services have used technology assistance to create a mobile banking product. In the case raised in this paper, some customers lose funds at the bank, where the funds are stored use mobile banking. The purpose of this paper is to review the applicable Indonesian laws following the case of Ilham Bintang, a consumer of Common Wealth Bank. This research shall use secondary data from the normative juridical, a process to find the rule of law, legal principles, and legal doctrines to answer the legal issue. The legal topic discussed in this paper is how the applicable laws of banking and consumer protection protect bank consumers specifically, regarding account break-ins. Based on Law Number 10 of 1998 concerning Amendments to Law Number 7 of 1992 concerning Banking and Law Number 8 of 1999 concerning Consumer Protection, banks as business actors are required to provide compensation, damages, and reimbursement, if offered, are not according to what promise. However, if it proven that this is not the business actor’s fault, the business actor may be released from this responsibility.

References

Books
Alkin, Zainal, (2015), Pengantar Hukum Perbankan Indonesia, PT. Raja Grafindo Persada, Jakarta
Apriani, Riani dan Hartanto, (2019), Hukum Perbankan dan Surat Berharga, deepublish, Yogyakarta
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ND, Mukti Fajar dan Yulianto Achmad. Dualisme Penelitian Hukum Normatif dan Empiris, (2015), Yogyakarta: Pustaka Belajar.
Usanti, Trisadini P., (2013), Prinsip Kehati-hatian Dalam Hukum Perbankan, Airlangga University Press, Surabaya.
Usanti, Trisadini P. dan Abd,Shomad, (2016), Hukum Perbankan, Kencana Prenada Media Group, Jakarta

Journal
A., Nurnid, (2018), Kajian Peraturan Perlindungan Konsumen di Sektor Perbankan. Jurnal Hukum dan Pembangunan 48 No.2,

News and Article
Azhari, Jimmy Ramadhan, Kronologi Ilham Bintang Kehilangan Ratusan Juta Rupiah Akibat Pembobolan Rekening, (https://megapolitan.kompas.com/read/2020/07/08/18275931/kronologi-ilham-bintang-kehilangan-ratusan-juta-rupiah-akibat-pembobolan?page=all),
Kurnia, Abi Jam’an, Bentuk-Bentuk Perlindungan Hukum oleh Bank kepada Nasabah, (https://www.hukumonline.com/klinik/detail/ulasan/lt57a4a938b313e/bentuk-bentuk-perlindungan-hukum-oleh-bank-kepada-nasabah#_ftn2),
Bernadetha Aurelia Oktavira, Tanggung Jawab Bank atas Pembobolan Rekening Nasabah (https://www.hukumonline.com/klinik/detail/ulasan/lt5ea6e27adf366/tanggung-jawab-bank-atas-pembobolan-rekening-nasabah/#_ftnref6)
Yarsi, Sejarah Berdirinya Bank di Dunia, (http://id.yarsi.ac.id/sejarah-berdirinya-bank-di-dunia-4242#:~:text=Sesudah%20zaman%20Babylon%2C%20tahun%20500,muncul%20bankir%2Dbankir%20swasta%20pertama),

Regulations
Indonesia, Law Number 10 of 1998 concerning Amendments of Law Number 7 of 1992 concerning Banking, Republic of Indonesia State Gazette of 1998 Number 182, and Supplement to the State Gazette 3790.
Indonesia, Law Number 8 of 1999 concerning Consumer Protection, Lembaran Negara Republic of Indonesia State Gazette of 1999 Number 22, and Supplement to the State Gazette 3821.
Indonesia, Financial Service Authority Regulation Number 12/POJK.03/2018 tentang Digital Banking Service of Banks, Republic of Indonesia State Gazette of 2018 Number 127, dan Supplement to the State Gazette 6235.