The Protection of Consumers’ Data whose Financing Application Rejected by Financial Service Institutions
Abstract
Financial service institutions require financial service applicants’ data for financial capability evaluation. The data may include financial information, personal details such as property ownership, tax records, and family data. The submission of the data does not guarantee approval as some applications can be rejected. This study explored the the protection of customers’ data when their applications were denied. This normative juridical study regarded secondary data and library resources. The findings of this study highlighted the need for regulatory guidelines to protect customer data, particularly for those whose applications were rejected since their data could be misused by outsourced marketing personnel considering the absence of specific monitoring system. Even more, financial service institutions are not held accountable for such actions that occurred outside their scope of authority. In conclusion, regulatory measures must be established to protect and prevent unauthorized use of customers’ data.
References
Aryanto, R., & Widiatno, A. (2013). Prioritas Alternatif Keputusan Pada Analisis Kredit Motor. Binus Business Review, 4(1), 316–321.
Ayunda, R., & Rusdianto. (2021). Perlindungan Data Nasabah Terkait Pemanfaatan Artificial Inteligence dalam Aktivitas Perbankan di Indonesia. Jurnal Komunikasi Hukum, 7(2), 469–480. Retrieved from https://ejournal.undiksha.ac.id/index.php/jkh/issue/view/863
Bahagia, Rahayu, S. W., & Mansur, T. M. (2019). Protection Of Private Data Of Customers In Offering Insurance Transactions By Indonesia State Bank ( Persero ). Syiah Kuala Law Journal, 3(1), 18–34.
Bintoro, V. S. A., Rozh, U., & Sutanti, R. D. (2022). Tinjauan Yuridis Terhadap Tindak Pidana Penyalahgunaan Data Nasabah Oleh Perbankan Terkait Perlindungan Nasabah. Diponegoro Law Journal, 11(3), 1–23.
Fauziah, I. S., & Apriani, R. (2021). Tinjauan Yuridis terhadap Perlindungan Nasabah Perbankan Yang Menggunakan Layanan Internet Banking. Wajah Hukum, 5(2), 500–508. https://doi.org/10.33087/wjh.v5i2.557
Haryono, C. A., & Santoso, B. (2019). Kewajiban Bank Melaporkan Perpajakan Data Nasabah Berdasarkan Prinsip Kerahasiaan Bank. Notarius, 12(1), 416–432.
Johan, S. (2022). Perbedaan Perlindungan Privasi Konsumen di Industri Keuangan dan Non-Keuangan. Masalah Masalah Hukum, 51(3), 250–258.
Johan, S., & Ariawan, A. (2022). Correlation Financial Institutions, Customers and Employees Per Labour Law. Arena Hukum, 15(1), 38–58. https://doi.org/10.21776/ub.arenahukum.2022.01501.3
Marpi, Y., Monied, D., & Fitryantica, A. (2021). Urgensi Konstitusional Perbankan Pada Kerahasiaan Nasabah Bagi Kepentingan Negara dan Kepentingan Privat. Nalar Keadilan, 1(1), 30–43.
Marzuki, M. P. (2017). Penelitian Hukum: Edisi Revisi (Revisi). Retrieved from https://opac.perpusnas.go.id/DetailOpac.aspx?id=1409842
Putri, C. A. (2020). OJK Khawatir Penyalahgunaan Data Nasabah, Minta DPR Bertindak. Retrieved from https://www.cnbcindonesia.com/tech/20201111160413-37-201093/ojk-khawatir-penyalahgunaan-data-nasabah-minta-dpr-bertindak
Putri, R. N., & Sulistiyono, A. (2022). Menggugat Peran Otoritas Jasa Keuangan Dalam Perlindungan Data Nasabah Konsumen Jasa Keuangan Perbankan. Privat Law, 10(April), 35–45.
Radar Malang. (2022). 56 Data Nasabah Disalahgunakan | Radar Malang Online. Retrieved from https://radarmalang.jawapos.com/kriminal/17/09/2022/56-data-nasabah-disalahgunakan/
Rahayu, N. I., & Sildawati, S. (2021). Analisis Pemahaman Persepsi Nasabah Terhadap Kebijakan Relaksasi Kredit Diera Covid 19. Prosiding Seminar Nasional Ekonomi …, 1, 228–240. Retrieved from https://ejurnal.umri.ac.id/index.php/sneba/article/view/3061
Sandi, E. (2019). Pengawasan Otoritas Jasa Keuangan Terhadap Perbankan Sebagai Upaya Perlindungan Hukum Nasabah Atas Penjualan Data Nasabah Bank. Jurnal Idea Hukum, 5(2), 1532–1543.
Saputra, A. (2021). Tidak Pinjam Pinjol Tapi Ditagih dan Diteror, Saya Harus Bagaimana? Detik.Com. Retrieved from https://news.detik.com/berita/d-5712898/tidak-pinjam-pinjol-tapi-ditagih-dan-diteror-saya-harus-bagaimana
Sihotang, B., & Sari, E. K. (2019). Restrukturisasi Sebagai Penyelamatan Kredit Bermasalah Pada Bank. Seminar Nasional Pakar Ke-2, (2), 1–6.
Tim Detik.com. (2022). Data Pribadi Saya Disalahgunakan untuk Kredit, Apa yang Harus Saya Lakukan? Retrieved from https://news.detik.com/berita/d-6325486/data-pribadi-saya-disalahgunakan-untuk-kredit-apa-yang-harus-saya-lakukan
Tompul, V. B. (2022). Data Nasabah Dibocorkan Oleh Oknum Pegawai Bank. Binamulia Hukum, 11(2), 171–176. https://doi.org/10.37893/jbh.v11i2.723
This journal provides immediate open access to its content on the principle that making research freely available to the public supports a greater global exchange of knowledge.
All articles published Open Access will be immediately and permanently free for everyone to read and download. We are continuously working with our author communities to select the best choice of license options, currently being defined for this journal as follows: Creative Commons-Non Ceomercial-Attribution-ShareAlike (CC BY-NC-SA)
Abstract viewed = 58 times
PDF downloaded = 84 times
