ANALISIS PERATURAN HUKUM PERBANKAN DIGITAL DI INDONESIA

Abstract

Abstrak

Hukum perbankan merupakan seperangkat regulasi yang mengatur kegiatan dan kelembagaan bank sebagai sektor yang memegang peranan penting dalam menjaga stabilitas dan kelancaran perekonomian nasional. Sistem hukum ini mencakup peraturan perundang-undangan, doktrin, dan ketentuan operasional yang mengatur hak, kewajiban, serta batasan perilaku lembaga perbankan. Perkembangan regulasi perbankan di Indonesia terlihat dari lahirnya Undang-Undang Perbankan konvensional dan syariah, yang mengatur mekanisme operasional sesuai karakteristik masing-masing. Kemajuan teknologi informasi selanjutnya mendorong transformasi menuju layanan perbankan digital. Melalui POJK No. 12/POJK.03/2018, bank diperkenankan memanfaatkan teknologi untuk penyediaan layanan seperti pembukaan rekening, otorisasi transaksi, hingga pengelolaan keuangan secara mandiri oleh nasabah. Digital banking meningkatkan efisiensi operasional dan kualitas layanan, namun sekaligus menuntut kesiapan infrastruktur, manajemen risiko, dan sistem pengamanan guna mengantisipasi risiko operasional dan reputasi yang muncul dari penggunaan teknologi tersebut.

Kata kunci: Hukum Perbankan, Perbankan Digital

Abstract

Banking law is a set of regulations governing the activities and institutions of banks, a sector that plays a crucial role in maintaining the stability and smooth operation of the national economy. This legal system encompasses statutory regulations, doctrines, and operational provisions that govern the rights, obligations, and behavioral boundaries of banking institutions. The development of banking regulations in Indonesia is evident in the enactment of the Conventional and Sharia Banking Laws, which regulate operational mechanisms according to their respective characteristics. Advances in information technology have further driven the transformation towards digital banking services. Through POJK No. 12/POJK.03/2018, banks are permitted to utilize technology to provide services such as account opening, transaction authorization, and independent financial management by customers. Digital banking improves operational efficiency and service quality, but also requires infrastructure readiness, risk management, and security systems to anticipate operational and reputational risks arising from the use of such technology.

Keywords: Banking Law, Digital Banking