THE LEGALITY OF DIGITAL BANK IN INDONESIA ON CUSTOMER PROTECTION

The development of Digital Banks in Indonesia is currently quite high, this is indicated by the number of conventional banks switching to Digital Banks. A digital bank is a bank that does not require many branch offices because the banking system is done digitally, such as opening an account online. In opening customer accounts online in a digital banking system, legal protection is needed, especially customer confidentiality because it is feared that there will be a lot of misuse of customer data. The method used in this research is the normative juridical method. The normative juridical method is a method using secondary data such as the laws and regulations in force in Indonesia, especially those related to the banking system. The results of the study show that the legality of the digital banking system has been fulfilled, namely by the existence of regulations issued by authorized officials in the field of banking supervision. The legality of digital banks in banking operations has been fulfilled, namely with the Regulation of the Financial Services Authority of the Republic of Indonesia Number12/ PJOK.13/2018 concerning the Implementation of Digital Banking Services by Commercial Banks. Legal protection for customers currently still refers to the regulations of the financial services authority as stipulated in the Regulation of the Financial Services Authority of the Republic of Indonesia Number 12/ PJOK.13/2018. The Financial Services Authority regulation states that banks that run digital systems refer to the Financial Services Authority of the Republic of Indonesia Number 1/POJK.07/2013 concerning the protection of consumers of financial services