Otoritas Jasa Keuangan Sebagai Lembaga Pengawas Bank Dalam Melindungi Nasabah Penyimpan Dari Tindakan Pembobolan (Skimming) Atm

Lucia, Cornelia (2019) Otoritas Jasa Keuangan Sebagai Lembaga Pengawas Bank Dalam Melindungi Nasabah Penyimpan Dari Tindakan Pembobolan (Skimming) Atm. S1 thesis, Universitas Kristen Indonesia.

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Abstract

Skripsi ini membahas mengenai Otoritas Jasa Keuangan Sebagai Lembaga Pengawas Bank Terhadap Penanggulangan Tindakan Skimming Kepada Nasabah. Perkembangan mengenai jumlah penggunaaan Kartu kredit, kartu debit dan atau kartu ATM yang pesat di Indonesia dijadikan peluang oleh para oknum untk tidak bertanggung jawab mengambil uang dari rekening nasabah dengan berbagai modus kejahatan yang salah satunya adalah card skimming. Keamanan teknologi yang rentan ditambah sistem pengawasaan penyelengaraan yang lemah merupakan faktor utama maraknya kejahatan pencurian dana dengan cara card skimming. Belum adanya aturan tentang perlindungan data pribadi dan perlindungan mengenai skimming card. Maka dari itu dalam penelitian ini akan dibahas mengenai konsep, perlindungan konseumen, Alat Pembayaran menggunakan Kartu (APMK) , perlindungan data pribadi, upaya hukum nasabah, dan tanggung jawab para penyelenggara terhadap card skimming di Indonesia./ This thesis discusses the Financial Services Authority as a Bank Supervisory Institution for Overcoming the Act of Skimming to Customers. The development of the number of uses Credit cards, debit cards and / or ATM cards are fast in Indonesia as opportunities for unscrupulous individuals to take money from customer accounts with various modes of crime, one of which is skimming cards. Vulnerable technology security plus a weak management system is a major factor in the widespread crime of theft of funds by means of card skimming. There are no rules regarding the protection of personal data and protection regarding skimming cards. Therefore in this study we will discuss the concepts, consumer protection, Card-based Payment Instruments (APMK), personal data protection, customer legal efforts, and the responsibility of the organizers for card skimming in Indonesia. Keywords: consumer protection, payment instruments using cards (APMK), skimming cards

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