KEJAHATAN DUNIA MAYA PADA SEKTOR PERBANKAN DI INDONESIA: ANALISA PERLINDUNGAN HUKUM TERHADAP NASABAH

The development of electronic technology is in line with the increasing number of crimes, from conventional crimes to crimes that use expertise in the field of electronic technology for their own or other people's interests. This study aims to examine more deeply the legal protection for consumers in the banking sector for a form of cybercrime in Indonesia. Types of cybercrime in the banking sector include skimming, malware and hacking. Often these crimes harm the bank and customers financially. Forms of legal protection for customers against cybercrimes have been regulated through the UUPK, the Banking Law, the ITE Law, the Telecommunications Law and are technically contained in the Financial Services Authority (OJK) Regulations. The study uses a juridical approach that describes regulations related to the protection of bank customers against cybercrime crimes. The results of this study indicate that preventively, regulations in positive law currently provide an obligation to banks as business entities to always maintain and protect customers from cybercrimes. Repressively, if customers experience financial losses due to cybercrimes, the steps that can be taken are non-litigation and litigation