Analisis Kepatuhan dalam Implementasi Perlindungan Data Pribadi Nasabah

Simanjuntak, Hana Patricia (2025) Analisis Kepatuhan dalam Implementasi Perlindungan Data Pribadi Nasabah. S1 thesis, Universitas Kristen Indonesia.

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Abstract

Perlindungan data pribadi nasabah menjadi isu penting di era digital saat ini, terutama di sektor perbankan yang mengelola data sensitif dalam jumlah besar. Maraknanya kasus kebocoran data dan penyalahgunaan informasi nasabah menunjukkan pentingnya implementasi kebijakan perlindungan data yang sesuai dengan regulasi. Penelitian ini bertujuan untuk menganalisis kepatuhan perbankan terhadap prinsip - prinsip perlindungan data pribadi, serta mengevaluasi sejauh mana regulasi yang ada diimplementasikan secara efektif. Pertanyaan utama dalam penelitian ini adalah sejauh mana intitusi perbankan mematuhi kebijakan perlindungan data pribadi nasabah. Penelitian ini menggunakan metode kualitatif dengan pendekatan studi literatur rivew terhadap jurnal – jurnal ilmiah dan sumber hukum yang relevan. Data dikumpulkan melalui telaah sistematis terhadap publikasi terkait perlindungan data pribadi, regulasi seperti UU PDP. Hasil penelitian menunjukan bahwa meskipun sudah terdapat regulasi yang mengatur perlindungan data. Faktor seperti lemahnya pengawasan, kurangnya pemahaman internal. Temuaan ini menekankan perlunya penguatan kebijakan internal, pelatihan SDM, dan pengawasan exteternal. Kesimpulannya, Tingkat kepatuhan perbankan terhadap perlindungan data pribadi terhadap perlindngan data pribadi masih memerlukan perbaikan sistematik. Kata Kunci: Perlindungan data pribadi, Undang-undang no 27 tahun 2022, Kebocoran Data, Kepatuhan Regulasi / The protection of customers’ personal data has become a critical issue in today’s digital era, especially in the banking sector, which manages large volumes of sensitive information. The increasing number of data breaches and misuse of customer information highlights the urgency of implementing effective data protection policies in compliance with existing regulations. This study aims to analyze the level of compliance among banking institutions with personal data protection principles and to evaluate how effectively current regulations are being implemented. The main research question is: to what extent do banking institutions comply with personal data protection policies. This research employs a qualitative method using a literature review approach, analyzing academic journals and relevant legal sources. Data were collected through a systematic review of publications related to personal data protection, including the Indonesian Personal Data Protection Law and banking practices. The findings indicate that although regulations are in place, there remains a gap between policy and actual implementation. Key obstacles include weak oversight, lack of internal understanding, and the absence of standardized technical procedures. These results underscore the need for stronger internal policies, staff training, and consistent external supervision. In conclusion, the level of compliance with personal data protection in the banking sector requires systemic improvement. Keywords: Personal data protection, Law no. 27 of 2022, Data breach, Regulatory compliance

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