Legal Protection of Customer^s Personal Data in Digital Banking Abdul Rasyid & Jennifer Angelina
BINUS University
Abstract
Information and communication technology is developing rapidly at this time. Technology has a significant influence on human life and encourages social change and economic development. One aspect of promoting economic growth is the banking sector. Technological developments that affect human lifestyles make banking institutions also encourage following the flow of development to support economic development. Banking institutions must also adapt by providing facilities that can do digitally. The use of the internet in the banking world began by offering facilities such as mobile banking, internet banking, SMS banking, and most recently, providing digital account opening services, making it easier for customers to carry out banking activities. In carrying out their activities, banks must maintain personal data and keep all information related to their customers^ finances confidential. However, with current technological developments, there are many problems where customer personal data is disseminated and traded, resulting in losses for customers and can lead to customer distrust of banks. Technological developments that affect the banking sector must be balanced with regulations as a legal umbrella in implementing their activities. With solid regulation, banks are expected to pay close attention to and protect the confidentiality of customers^ data so that it does not occur in the future. Based on the background described above, the authors want to examine more deeply the form of legal protection against the confidentiality of bank customers^ data, which is carried out digitally.
Keywords: Legal protection, digital bank, costumer, personal data.