Legal Responsibilities of Parties Involved in Breaking BRI Accounts Through the WhatsApp Application in the Legal Perspective of Engagement
DOI:
https://doi.org/10.59888/ajosh.v1i09.69Keywords:
Banking, Mobile Banking, Law of Engagement, LiabilityAbstract
Advances in banking technology are developments in information technology that have had a significant impact on the banking industry. Technological developments have helped banks to improve the efficiency of services and products offered to customers. One of the products of technological advances in banking is Mobile Banking, where customers can make transactions anywhere and anytime. However, this has become a new challenge in the law of engagement related to transactions made by individuals with each other online. This research aims to find out the relationship between account breach through the application with the law of engagement, as well as the responsibility of the parties involved. This research uses normative juridical research method. The conclusion of this research is that there is no banking law on Mobile Banking, the customer is responsible for the imprudence committed against his bank account
References
Adati, M. A. (2018). Wanprestasi Dalam Perjanjian Yang Dapat Di Pidana Menurut Pasal 378 Kitab Undang-Undang Hukum Pidana. Lex Privatum, 6(4).
AWS. (n.d.). PCI DSS. aws.amazon.com. https://aws.amazon.com/id/compliance/pci-dss-level-1-faqs/
BRI. (2021, 15 April). Kebijakan Privasi dan Pengamanan. Diakses pada 10 Maret 2023, dari https://bri.co.id/privacyDengah, K. (2015). Eksistensi Serta Akibat Penerapan Sistem Terbuka Pada Hukum Perikatan. Lex Privatum, 3(4).
Chandro, B. (n.d.). Apa Itu mBanking? Ini Penjelasan, Fungsi, dan Cara Kerjanya. lifepal.co.id. https://lifepal.co.id/media/banyak-digunakan-orang-sudah-tahu-kelebihan-dan-kekurangan-m-banking-ini/#Fungsi_mBanking.
CNN Indonesia. (2022, December 6). Viral Penipuan Modus Kurir Kirim Foto, Bisa Bobol Data Mobile Banking. www.cnnindonesia.com. https://www.cnnindonesia.com/teknologi/20221206094446-192-883374/viral-penipuan-modus-kurir-kirim-foto-bisa-bobol-data-mobile-banking/amp.
Djamali, R. A. (2012). Pengantar Hukum Indonesia(2 Cetakan). Jakarta: Rajawali Pers.
Fonna, N. (2019). Pengembangan revolusi industri 4.0 dalam berbagai bidang. Guepedia.
Huda, I. A. (2020). Perkembangan teknologi informasi dan komunikasi (TIK) terhadap kualitas pembelajaran di sekolah dasar. Jurnal Pendidikan Dan Konseling (JPDK), 2(1), 121–125.
Kurniawan, Faizal. “Bisakah Syarat dan Ketentuan Aplikasi Disebut Perjanjian?” Hukum Online. 18 Maret 2022. https://www.hukumonline.com/klinik/a/bisakah-syarat-dan-ketentuan-aplikasi-disebut-perjanjian-lt61ef908249fc2.
Lestari, A. P. (2020). Kepastian perlindungan hukum pada klausula baku dalam perjanjian pinjaman online di Indonesia. SUPREMASI: Jurnal Hukum, 2(2), 174–193.
Lukman, S. (2012). Hukum Perjanjian Kontrak,(Panduan Memahami Hukum Perikatan & Penerapan Surat Perjanjian Kontrak) Cakrawala. Yogyakarta.
Microsoft. “Autentikasi vs. otorisasi.” 12 Juni 2022. https://learn.microsoft.com/id-id/azure/active-directory/develop/authentication-vs-authorization.
Muhtarom, M. (2014). Asas-asas hukum perjanjian: Suatu landasan dalam pembuatan kontrak.
OJK. (2022, October 13). Transformasi Digital Perbankan: Wujudkan Bank Digital. https://sikapiuangmu.ojk.go.id/FrontEnd/CMS/Article/40774
Schwab, K. (2017). The fourth industrial revolution, Crown Business. New York, 192.
Setiawan, I. K. O. (2021). Hukum perikatan. Bumi Aksara.
Sidharta, B. A., & Kusumaatmaja, M. (2009). Pengantar Ilmu Hukum. Bandung: Alumni.
Soenandar, T., Jamil, F., Badrulzaman, M. D., Sjahdeni, S. R., & Soeprapto, H. (2016). Kompilasi Hukum Perikatan.
Sukirno, S. A. S. A., & Rochmadi, F. (2015). Perkembangan Teknologi Informasi dan Komunikasi. Jurnal Pendidikan Vokasi, 5(1), 43-53.
Undang-Undang Nomor 10 Tahun 1998 tentang Perubahan atas Undang-Undang Nomor 7 Tahun 1992 tentang Perbankan.
Wicaksono, Frans Satriyo. Panduan Lengkap Membuat Surat-Surat Kontrak, Hukum Kontrak, Syarat Sah Kontrak, Tahap Prakontrak, Penyusunan Kontrak, Pasca Penandatangan Kontrak. Ciganjur: Visimedia, 2009.
Zyro. “Cara Membuat Syarat dan Ketentuan.” https://zyro.com/id/tool/membuat-syarat-dan-ketentuan (diakses pada 10 Maret 2023).
Downloads
Published
Issue
Section
License
Copyright (c) 2023 Imelda Martinelli, Pascal Amadeo Yapputro, Eriyan Rahmadani Dianova
This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.
Authors who publish with this journal agree to the following terms:
- Authors retain copyright and grant the journal right of first publication with the work simultaneously licensed under a Creative Commons Attribution-ShareAlike 4.0 International. that allows others to share the work with an acknowledgement of the work's authorship and initial publication in this journal.
- Authors are able to enter into separate, additional contractual arrangements for the non-exclusive distribution of the journal's published version of the work (e.g., post it to an institutional repository or publish it in a book), with an acknowledgement of its initial publication in this journal.
- Authors are permitted and encouraged to post their work online (e.g., in institutional repositories or on their website) prior to and during the submission process, as it can lead to productive exchanges, as well as earlier and greater citation of published work.