Consumer Protection of Internet Banking Users Service in Indonesia in Review of Law Number 8 Of 1999 Concerning Consumer Protection

Widiarty, Wiwik Sri (2023) Consumer Protection of Internet Banking Users Service in Indonesia in Review of Law Number 8 Of 1999 Concerning Consumer Protection. BALTIC JOURNAL OF LAW & POLITICS A Journal of Vytautas Magnus University, 16 (3). pp. 2446-2453. ISSN 2029-0454

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Abstract

Digitalization has brought people access to various digital needs. The banking sector is no exception, where at this time it is very common among the public to carry out various transactions and banking activities digitally. One of the services presented by the banking sector in digitalization is the use of internet banking. Internet banking is a banking product that deserves appreciation because it has a significant impact on people's lives. The presence of internet banking has facilitated various banking activities and public transactions. However, there are concerns about various dangerous activities that have the potential to arise from the use of internet banking. The purpose of this study is to review Law Number 8 of 1999 which regulates consumer protection and its relation to consumer protection in the banking sector by using internet banking. The method used is normative juridical. The results of the research show that basically the government has attempted to protect consumers through the existence of Law Number 8 of 1999. In the banking sector itself this has been strengthened by various regulations issued by Bank Indonesia and the Financial Services Authority. Both of these agencies are agencies that have responsibility for the administration of the banking sector. However, several banking sectors still have loopholes for committing fraud and do not fully comply with the regulations that have been set. Key word: Consumer Protection: Banking; Internet Banking

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