银行交易中客户个人资料法律保护的实质

SASI Pub Date : 2023-06-14 DOI:10.47268/sasi.v29i3.1528
Nancy Silvana Haliwela
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引用次数: 0

摘要

简介:银行作为一个机构,不仅需要保护客户资金,而且有义务对客户个人数据保密。研究目的:本文旨在审查有关保护客户个人数据的法规,并审查银行客户个人数据保护的监督和执法情况。研究方法:本研究采用规范的法律研究方法,包括法定法、概念法和案例法。法定方法涉及个人数据保护和银行业的立法。概念方法涉及银行和个人数据保护的概念。案例法涉及银行客户个人数据违规或犯罪的监督和执法案件。研究结果:研究结果表明,有关客户数据保护的法规包含在与个人数据保护和银行业相关的各种法律法规以及其他技术法规中。此外,研究结果还表明,对银行客户个人数据保护的监督由三个具有监督权的机构进行,即印尼银行、金融服务管理局和存款保险公司。针对侵犯客户个人数据的违法犯罪的执法仍然面临挑战,因为尽管使用客户个人数据犯罪的案例很多,但只有少数案例可以针对侵犯客户的个人数据犯罪进行执法。
本文章由计算机程序翻译,如有差异,请以英文原文为准。
The Essence of Legal Protection of Personal Data of Customers In Banking Transactions
Introduction: Banks as an institution are not only required to protect customer funds but are also obliged to maintain the confidentiality of customer personal data.Purposes of the Research: This paper aims to examine the regulations governing the protection of customers' personal data and to examine the supervision and law enforcement of the protection of banking customers' personal data.Methods of the Research: This research uses normative legal research methods with a statutory approach, conceptual approach, and case approach. The statutory approach relates to legislation on personal data protection and banking. The conceptual approach relates to the concepts of banking and personal data protection. The case approach relates to cases of supervision and law enforcement of violations or crimes of personal data of banking customers.Results of the Research: The results show that regulations governing customer data protection are contained in various laws and regulations related to personal data protection and banking and other technical regulations. In addition, the study results also show that supervision of the protection of personal data of banking customers has been carried out by three institutions that have supervisory authority, namely Bank Indonesia, the Financial Services Authority, and the Deposit Insurance Corporation. Law enforcement against violations and crimes against customers' personal data still faces challenges, because although there are many cases of crimes using customers' personal data, only a few can be enforced against crimes against customers' personal data.
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