Analisis Yuridis Tanggung Gugat Bank Atas Kerugian Nasabah Akibat Pembobolan Rekening Dalam Perspektif Undang-Undang Pelindungan Data Pribadi

KURNIAWAN, GRECYNTA PUTRI (2025) Analisis Yuridis Tanggung Gugat Bank Atas Kerugian Nasabah Akibat Pembobolan Rekening Dalam Perspektif Undang-Undang Pelindungan Data Pribadi. S1 thesis, Universitas PGRI Madiun.

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Abstract

The development of digital technology has driven the transformation of banking services towards digital banking systems, but this has increased the risk of customer data breaches. Cases of account hacking demonstrate the weakness of banking data protection systems and raise legal questions regarding the bank's liability for customer losses. This study aims to analyze banks' liability for customer losses resulting from account breaches under the perspective of Law No. 27 of 2022 on Personal Data Protection (PDP Law), as well as evaluate mechanisms for restoring rights and legal protection for customers. The research method used is a normative legal approach based on legislation and case studies of court rulings. The results of the study indicate that banks, as controllers of personal data, are obligated to safeguard customer information and are liable for negligence leading to data breaches. Such liability can be pursued through civil mechanisms under Article 1365 of the Civil Code and consumer protection laws. Legal protection is strengthened through the principle of prudence (prudential principle) and financial sector regulations. This study recommends the need to strengthen the implementation of the PDP Law by banks, establish an independent supervisory body, and enhance accountability and transparency in handling account breach incidents. Keywords: bank liability, account breach, PDP Law, bank customers.

Item Type:	Thesis/Skripsi/Tugas Akhir (S1)
Kata Kunci:	bank liability; account breach; PDP Law; bank customers.
Subjects:	K Law > K Law (General)
Divisions:	Fakultas Hukum
Depositing User:	KURNIAWAN PUTRI GRECYNTA
Date Deposited:	29 Aug 2025 02:38
Last Modified:	29 Aug 2025 02:38
URI:	http://eprint.unipma.ac.id/id/eprint/4683

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