Perlindungan Hukum Bagi Nasabah dan Tanggung Jawab Bank Dalam Kasus Card Skimming

Abstract

This study aimed to examine the legal protection and accountability of banks towards the security of customers' personal data and deposit in a card skimming case.The research used the normativeempirical approach to related laws and regulations, which were then correlated with the practical implementation.Through a descriptive analysis, this study explained the existing regulations associated with legal theories in practice.Data collection was conducted through library research and interviews.The results indicated that banks are responsible for losses suffered by customers due to card skimming thefts provided that it is proven with CCTV camera recordings and there is no element of negligence from the customer as a victim.Legal protection for customers relating to the accountability of banks should be based on Law No. 8 of 1999 on Consumer Protection, Bank Indonesia Regulation No. 16/1/PBI/2014 concerning Consumer Protection of Payment System Services, and Regulation of Financial Services Authority No. 1/POJK.07/2013regarding Consumer Protection of Financial Services Sector.

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