Legal Protection of Customer Personal Data in Digital Financial Transactions at Bank Rakyat Indonesia (BRI)

Penulis

DOI:

https://doi.org/10.30659/rlj.5.3.%25p

Kata Kunci:

Bank Rakyat Indonesia (BRI), Customers, Digital Financial Transactions, Legal Protection, Personal Data.

Abstrak

The digital transformation of banking through mobile banking services like BRImo facilitates customer transactions but increases vulnerability to personal data misuse and social engineering-based digital fraud. This situation creates a risk of both financial and non-financial losses for customers as data subjects. This study aims to analyze the adoption of Personal Data Protection (PDP) principles in BRI's digital transactions and to examine forms of repressive legal protection, reporting procedures, and the effectiveness of loss recovery mechanisms for customers who fall victim to digital security incidents. This research employs a socio-legal (empirical-juridical) approach with a descriptive-analytical specification. Data sources include primary data obtained through limited interviews with PT Bank Rakyat Indonesia (Persero) Tbk and BRImo customers, as well as secondary data consisting of primary, secondary, and tertiary legal materials. Data were collected through literature reviews and structured interviews, then analyzed using a qualitative descriptive method involving data reduction, data presentation, and systematic conclusion drawing. The research findings indicate that BRI has implemented multi-layered (end-to-end) data governance and security, appointed a data protection function, and provided a Privacy Notice in accordance with Law No. 27 of 2022 and OJK regulations. However, the implementation of consent has not yet fully adopted a granular approach. Regarding repressive protection, the effectiveness of loss recovery is heavily determined by reporting timeframes and the ability to prove the source of the error. BRI provides service recovery in the event of system failures but may refuse refunds if the loss is caused by customer negligence. The availability of escalation channels such as the OJK, LAPS SJK, and the Indonesia Anti-Scam Center (IASC) serves as a crucial means to optimize fund tracing and law enforcement.

Biografi Penulis

  • Titania Vera Modesty, Universitas Islam Sultan Agung
    Student

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Unduhan

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2026-09-18

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Vol 5 No 3 (2026): September 2026

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