PERLINDUNGAN DATA PRIBADI SEBAGAI INSTRUMEN HUKUM DALAM MENANGGULANGI KEJAHATAN PERBANKAN
DOI:
https://doi.org/10.23969/jp.v11i01.42038Keywords:
Personal Data Protection; Banking Crimes; Personal Data Protection Law.Abstract
Digital transformation in the banking sector has enhanced the efficiency of financial services while simultaneously increasing the risk of data-driven banking crimes. Customers’ personal data have become both the object and the primary means of various criminal activities, such as identity theft, phishing, and misuse of financial information. This condition necessitates robust personal data protection as an integral part of the banking legal system. This article aims to analyze the concept of personal data protection in the context of banking crimes, examine the legal framework governing personal data protection in the Indonesian banking sector, and explain the urgency of personal data protection as a legal instrument for preventing banking crimes. The research employs a normative legal method with statutory and conceptual approaches. The findings indicate that Law Number 27 of 2022 on Personal Data Protection strengthens the principle of bank secrecy and functions as both a preventive and repressive legal instrument in addressing data-based banking crimes. Personal data protection plays a crucial role not only in safeguarding customers’ rights but also in maintaining public trust and the stability of the national banking system.
Downloads
References
Acquisti, A., Taylor, C., & Wagman, L. (2016). The economics of privacy. Journal of Economic Literature, 54(2), 442–492. https://doi.org/10.1257/jel.54.2.442
Ali, A. (2015). Menguak teori hukum. Kencana.
Ashworth, A. (2015). Sentencing and criminal justice (6th ed.). Cambridge University Press.
Bank for International Settlements. (2021). Principles for operational resilience. BIS.
Basel Committee on Banking Supervision. (2018). Cyber-resilience: Range of practices. Bank for International Settlements.
Brenner, S. W. (2013). Cybercrime and the law: Challenges, issues, and outcomes. Northeastern University Press.
Clarke, R. V. (1997). Situational crime prevention. Harrow and Heston.
European Union. (2016). Regulation (EU) 2016/679 of the European Parliament and of the Council of 27 April 2016 (General Data Protection Regulation). Official Journal of the European Union.
Gunawan, C., & Irawati, A. C. (2025). Penerapan Prinsip Proses Hukum yang Adil dalam Investigasi Tindak Pidana dalam Transaksi E-Commerce. Iuris Studia: Jurnal Kajian Hukum, 6(3), 935-942.
Irhamdessetya, H., Irawati, A. C., Wijaya, H., & Affandi, A. I. (2025). Peran Advokat Dalam Menjamin Due Process of Law Pada Perkara Penipuan Ekonomi (Pasal 379a KUHP): Refleksi Atas Sinergi dan Integritas Catur Wangsa Penegak Hukum. Semarang Law Review (SLR), 6(2), 441-456.
Irawati, A. C., Wijaya, H., & Pratama, A. (2025). Comparing Data Protection and Due Process Implementation in Indonesia. Jurnal Ilmiah Dunia Hukum, 9(2), 18-36.
Irawati, A. C., & da Silva, E. B. (2025). Beyond Formality in Indonesian Pretrial Law: KUHAP Reform, Human Rights, and Islamic Law. Al-Ahkam, 35(2), 261-286.
Kuner, C. (2017). The European Union and the search for an international data protection framework. Groningen Journal of International Law, 5(2), 55–76.
Marzuki, P. M. (2017). Penelitian hukum (Edisi revisi). Kencana.
Nissenbaum, H. (2010). Privacy in context: Technology, policy, and the integrity of social life. Stanford University Press.
OECD. (2013). The OECD privacy framework. OECD Publishing.
Siregar, A. N., & Putra, M. A. P. (2023). Perlindungan hukum data pribadi nasabah dalam layanan perbankan digital. Jurnal Hukum IUS QUIA IUSTUM, 30(2), 215–232.
Solove, D. J. (2021). Understanding privacy (2nd ed.). Harvard University Press.
Wall, D. S. (2007). Cybercrime: The transformation of crime in the information age. Polity Press.
Warren, S. D., & Brandeis, L. D. (1890). The right to privacy. Harvard Law Review, 4(5), 193–220.
Wijaya, H., & Irawati, A. C. (2025). Konsturksi Hukum Pidana Bagi Pelaku Penyalahgunaan Kartu Kredit. JURNAL ILMIAH HUKUM DAN DINAMIKA MASYARAKAT, 23(1), 55-68.
Peraturan Perundang-Undangan
Republik Indonesia. (2022). Undang-Undang Nomor 27 Tahun 2022 tentang Perlindungan
Downloads
Published
Issue
Section
License
Copyright (c) 2026 Pendas : Jurnal Ilmiah Pendidikan Dasar
This work is licensed under a Creative Commons Attribution 4.0 International License.
