The Law's Role in Ensuring the Protection and Security of Bank Customers

Dany Sulistiono; Rommy Hardyansah; Didit Darmawan

Authors

Dany Sulistiono Universitas Sunan Giri Surabaya
Rommy Hardyansah Universitas Sunan Giri Surabaya
Didit Darmawan Universitas Sunan Giri Surabaya

Keywords:

legal protection, bank customers, law, OJK, dispute resolution, education, trust

Abstract

Technological developments and the global economy have affected the banking sector in Indonesia, making legal protection for bank customers increasingly important. Banks function as financial intermediary institutions that connect surplus and deficit funds, so the protection of customers is crucial to maintain public trust. Law No. 8/1999 on Consumer Protection and Law No. 10/1998 on Banking provide a legal basis to protect the rights of customers, including in terms of dispute resolution and compensation. However, there are still gaps in legal protection, especially in relation to data misuse and embezzlement of funds. Therefore, a more detailed regulation on protection and dispute resolution mechanisms is needed, as well as a continuous education program to improve the public's understanding of their rights. The Financial Services Authority (OJK) plays an important role in protecting consumers through complaints and legal defense. With these measures, it is hoped that legal protection for bank customers can be enhanced, maintaining public confidence and creating a fair relationship between customers and banks.

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