Legal Protection against Phishing Crimes in the Banking Industry (Case Study of a State-Owned Bank)

Abstract

The development of the increasingly sophisticated global era has made technology in the digital footprint industry an important part of people's lives, especially in social and financial activities. In this case, this study aims to determine the form of protection carried out by one of the banks in Indonesia in an effort to anticipate the emergence of Phising crimes in the banking industry and also the application of legal protection against Phising crimes in the banking industry. This study will use a descriptive analysis method, focusing on literature studies from various sources related to the topic of this article. The results of the study indicate that in anticipating Customer Protection, one of the banks in Indonesia has carried out various efforts to protect customers from Phising crimes. These steps include customer education through socialization and brochures, increasing awareness by appealing to customers to be more critical in making transactions, and implementing sophisticated technology in the banking security system. In addition, the bank also provides effective complaint services and has guidelines for blocking accounts and providing compensation guarantees for customers who are victims of Phising crimes. Compliance with Laws and Regulations: Legal protection measures taken by PT. BANK BUMN are in line with various applicable laws and regulations, such as the Law on Banking, Consumer Protection, Information and Electronic Transactions (ITE), and Personal Data Protection and has implemented policies that support customer protection and personal data security in accordance with applicable laws in Indonesia.