Legal Protection Efforts for Customers in Banking Services Related to Cybercrime Case Study KB Bank Pinrang

Abstract

The development of digital technology in banking services has brought significant impact, including the increased risk of cybercrime that threatens the security of customer data and assets. This study aims to analyze the legal protection efforts for customers in dealing with the threat of cyber crime in the bankin g sector. The research method used is a literature study with a normative juridicalapproach, studying natio nal regulations such as the ITE Law, consumer protection law, pojk, This research used Descriptive Qualitative analysis that emphasizes the results of interviews and b ook literature related to banking and economic research showedthat although there have been a number of regulations that regulate the protection of customers, its implementation still faces challenges such as a lac k of cyberexpert human resources, cross-country law enforcement difficulties, and regulatory gaps related to bank responsibility. This study recommends strengthening the legal framework through revision of the ITE Law, integration of the Personal Data Protection Act with pojk, as well as increased collaboration between banks, OJK and BSSN. In addition, customereducation on digital security and cyber court development is an import ant step to improve customer legal protection. This research is expected to contribute to the development of banking policies and practices that are more secure and responsive to cybercrime threats.