Re-Evaluasi Pendirian Bank Digital Di Indonesia: Paradigma, Konsep Dan Regulasi

Dewantara, Reka; Sitorus, Hany Ayunda Mernisi

doi:10.25123/vej.v8i2.5433

Cited by 2 publications

(2 citation statements)

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“…This is stated as a progressive step from the Financial Services Authority ("OJK") which plays an important role in providing digital banking services by commercial banks, especially to accommodate customer needs. (Reka Dewantara, 2022) As regulated in POJK No. 12/POJK.03/2018, Electronic Banking Services are "services provided by the Bank for its customers to obtain information, communicate and carry out banking transactions via electronic media."…”

Section: Issn Print 2086-6852 and Issn Online 2598-5892mentioning

confidence: 99%

Juridical Review of Cyber Security Mobile Banking Digitalization Process For Legal Protection of Customers

Florentina Dani Eti Kusuma Eko Wardani,

R. Febriarto Fadjar,

Mychelvia Vrelya JohnLearn

2024

yurisdiksi

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Indeed, the emergence of the bank's digitalization process does not necessarily eliminate the possibility of errors in its operation., both intentional and unintentional errors, one of the intentional errors is Fraud and/or cybercrime (as a crime that occurs through or on computer networks on the internet) in electronic services from this digitalization, which causes losses to other parties in the case of Digital Banks is the customer. Therefore, the purpose of this paper is to analyze the Security System of Digital Banking Services and Responsibility for Electronic Transactions of Digital Banking Services. In analyzing, the juridical-normative research method is used. The results showed that the realization of legal protection against customers for fraud or cybercrime that occurs in Digital Bank transaction activities can be seen from how the efforts of the government and the Authority in the Financial Services sector regulate and limit various interests and powers so that they do not collide with each other and are optimally organized. Commercial Banks are required to carry out their business activities prudently and implement Good Corporate Governance, Risk Management, and Consumer Protection will be better prepared to face various kinds of risks arising from the provision of Mobile Banking services, because if this is not done, the loss will be felt not only by service users but the Commercial Bank itself as a service provider, as can be seen in the case example in the decision.

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Section: Issn Print 2086-6852 and Issn Online 2598-5892mentioning

confidence: 99%

Juridical Review of Cyber Security Mobile Banking Digitalization Process For Legal Protection of Customers

Florentina Dani Eti Kusuma Eko Wardani,

R. Febriarto Fadjar,

Mychelvia Vrelya JohnLearn

2024

yurisdiksi

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“…Bank digital adalah layanan kegiatan perbankan secara penuh menggunakan sarana elektronik berbasis internet. Melalui sarana tersebut memungkinkan pengguna melakukakan pembukaan dan penutupan rekening secara mandiri ( Dewantara & Sitorus, 2020 ). Pendirian bank digital agar dapat beroperasi yaitu dengan 2 (dua) metode, pertama dengan mendirikan bank digital baru dengan modal inti minimal 10 triliun rupiah, kedua dengan cara bank tradisional/konvensional bertransformasi menjadi bank digital.…”

Section: Defenisi Digitalisasi Perbankanunclassified

Pengaruh Perkembangan Neobank Di Indonesia

Sirait,

Longa,

Kurniawati

et al. 2023

j. ekon. pembang. STIE MUHAMMADIYAH

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Perkembangan teknologi telah memberikan dampak penguatan diberbagai bidang baik sektor usaha, ekonomi mikro dan makro khususnya bidang perbankan yang menjadi salah satu tolak ukur ketahanan ekonomi satu negara. Revolusi industri 4.0 secara bertahap beralih ke industri 5.0 pastinya akan membawa lonjakan besar terhadap peradaban manusia. Kombinasi teknologi informasi dan internet melahirkan wireless, big data, komputasi cloud, kecerdasan buatan (AI), dan sebagainya merubah tatanan ekonomi dunia. Teknologi mampu mengintegrasikan kegiatan manusia dari cara-cara manual beralih menjadi otomatisasi termasuk di dunia perbankan. Efisiensi dan efektifitas diperlukan melalui sistem informasi pada level tertinggi untuk mendapatkan perubahan besarbesaran melalui pengolahan big data yang tidak mungkin dikerjakan oleh manusia dengan singkat. Kemampuan tersebut hanya bisa dilakukan melalui satu aplikasi berbasis web, android, ios ataupun perangkat media lainnya yang ada dalam genggaman tangan manusia. Sehingga konsep tersebut melahirkan bank baru yaitu Neobank dimana bank sebagai lembaga keuangan tidak perlu beroperasi dengan berinvestasi besar untuk mengadakan satu struktur lengkap kantor perbankan yang memiliki perangkat server, sarana dan prasarana, perangkat satelit dan lain sebagainya. Fenomena tersebut mendisrupsi keberadaan bank tradisional dan konvensional. Hal itulah memotivasi penulis ingin mengungkap keberadaan neobank sebagai bank baru melalui kajian pustaka (literature review) untuk mengetahui sejauh mana perkembangan dan tantangannya bagi sejumlah kalangan khususnya akademisi, pelaku usaha serta dukungan regulasi pemerintah sebagai bagian mitigasi resiko terhadap dampak kejahatan siber yang ditimbulkan.

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Re-Evaluasi Pendirian Bank Digital Di Indonesia: Paradigma, Konsep Dan Regulasi

Cited by 2 publications

References 0 publications

Juridical Review of Cyber Security Mobile Banking Digitalization Process For Legal Protection of Customers

Juridical Review of Cyber Security Mobile Banking Digitalization Process For Legal Protection of Customers

Pengaruh Perkembangan Neobank Di Indonesia

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