PERLINDUNGAN HUKUM BAGI NASABAH YANG KEHILANGAN SALDO DALAM PENGGUNAAN APLIKASI LAYANAN BANK DIGITAL SEABANK

Rahayu, Rica Alivianti (2025) PERLINDUNGAN HUKUM BAGI NASABAH YANG KEHILANGAN SALDO DALAM PENGGUNAAN APLIKASI LAYANAN BANK DIGITAL SEABANK. Undergraduate thesis, UPN Veteran Jawa Timur.

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Abstract

Technological developments have brought changes in banking services, including the emergence of digital banks such as SeaBank which provide convenience for customers. However, despite the convenience offered, using SeaBank services also presents risks for customers, one of which is losing their balance. This research aims to analyze the forms of losses experienced by customers as well as legal protection for customers who lose balances when using SeaBank digital banking services. This research method uses normative juridical research through a statutory regulation approach, case approach and conceptual approach. Data collection through literature studies compiled using descriptive analysis. The research results show that the forms of loss resulting from the loss of customer balances are material losses and immaterial losses, but the bank only provides responsibility in the form of compensation for material losses after a court decision states that the bank must be responsible for its actions. On the other hand, forms of legal protection for customers are provided through preventive and repressive efforts. Preventive protection is provided through statutory regulations and the SeaBank Agreement. On the other hand, repressive protection is provided through the imposition of sanctions to restore the situation, such as providing compensation to administrative sanctions. Keywords: Legal Protection, Digital Bank Services.

Item Type:

Thesis (Undergraduate)

Contributors: