PERLINDUNGAN HUKUM PERBANKAN TERHADAP KONSUMEN DALAM PENYELENGGARAAN LAYANAN ELECTRONIC PAYMENT

Abstract

Studi ini bertujuan mengkaji kekurangan serta perlindungan peraturan hukum perbankan terhadap konsumen dalam penyelenggaraan layanan pembayaran elektronik (electronic payment). Studi ini memakai kajian hukum normative dengan suatu metode peraturan perundang-undangan yang berlaku. Dalam implementasinya hukum perbankan berperan aktif terhadap perlindungan nasabah bank. Undang-Undang Nomor 11/12PBI/2009 terkait Uang Elektronik dijadikan alat petunjuk sebagai tata cara penyelenggaran keamanan bank dan konsumen di dunia teknologi. Otoritas Jasa Keuangan (OJK) juga berperan aktif dalam Penyelenggaraan Layanan Electronic Payment Oleh Bank Umum. Untuk mengatasi pengaruh negative, Bank Indonesia (BI) mempunyai peraturan yaitu, Peraturan BI Nomor 20/6/PBI/2018 Pasal 43 (2) c. Penyelesaian sengketa perbankan dapat diselesaikan melalui arbitrase, mediasi dan pengadilan niaga.

This study purpose is to examine the shortcomings and protection of banking law regulations against consumers in the implementation of electronic payment services. This study uses normative legal research with an approach to applicable laws and regulations. In its implementation, banking law plays an active role in the protection of bank customers. Law Number 11/12PBI/2009 on Electronic Money is used as a tool of guidance as a procedure for organizing bank and consumer security in the world of technology. The Financial Services Authority (OJK) also plays an active role in the Implementation of Digital Banking Services by Commercial Banks. To overcome the negative impact, Bank Indonesia has a regulation, namely, IB Regulation Number 20/6/PBI/2018 Article 43 paragraph (2) c. Banking dispute resolution can be resolved through arbitration, mediation and commercial court.