Analysis of Legal Protection for Consumer Personal Data and the Responsibilities of Banks

DOI

10.2991/978-2-38476-164-7_114How to use a DOI?

Keywords

Corporate and Commercial Law; Legal protection; Personal data

Abstract

Protection of personal data has become an urgent issue with the advent of digital technology in the era of Big Data. Concerns about privacy and unauthorized use of data are growing as governments and private companies collect large amounts of data. The banking sector, which stores sensitive personal information, is vulnerable to risks such as unauthorized sale of customer data and data leakage, as happened to Bank Syariah Indonesia (BSI). In this study, normative juridical research methods are used by reviewing primary and secondary legal materials to answer problem formulations related to the legal protection of consumers for personal data and the Bank’s responsibility for consumer personal data. This research is important to maintain a balance between technological innovation and personal privacy and provide guidance for legislators and relevant institutions in regulating and protecting personal data. The form of protection of customer data shows that Bank Indonesia Regulation Number 7/6/PBI/2005 concerning Transparency of Bank Product Information and Use of Customer Personal Data is the main foundation in this regard. The bank’s responsibility for losses suffered by customers is internal and external. This means that the bank has responsibility for the actions of its employees who leak data. However, banks are also responsible for customers who suffer losses as a result of such actions. Banking sector has strong personal data protection due to regulations and standardization, but still needs additional authority to oversee data quality.

Copyright

© 2023 The Author(s)

Open Access

Open Access This chapter is licensed under the terms of the Creative Commons Attribution-NonCommercial 4.0 International License (http://creativecommons.org/licenses/by-nc/4.0/), which permits any noncommercial use, sharing, adaptation, distribution and reproduction in any medium or format, as long as you give appropriate credit to the original author(s) and the source, provide a link to the Creative Commons license and indicate if changes were made.

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TY  - CONF
AU  - Dyah Ersita Yustanti
PY  - 2023
DA  - 2023/12/21
TI  - Analysis of Legal Protection for Consumer Personal Data and the Responsibilities of Banks
BT  - Proceedings of the 3rd International Conference on Law, Governance, and Social Justice (ICoLGaS 2023)
PB  - Atlantis Press
SP  - 1248
EP  - 1262
SN  - 2352-5398
UR  - https://doi.org/10.2991/978-2-38476-164-7_114
DO  - 10.2991/978-2-38476-164-7_114
ID  - Yustanti2023
ER  -