Tanggung Jawab Ganti Rugi Oleh Bank Terhadap Nasabah Akibat Scam Melalui Link Phising Pada Mobile Banking. (Liability for Compensation by Banks to Customers Due to Scam Through Phishing Links on Mobile Banking).

Hendarto, Vanya Agatha (2024) Tanggung Jawab Ganti Rugi Oleh Bank Terhadap Nasabah Akibat Scam Melalui Link Phising Pada Mobile Banking. (Liability for Compensation by Banks to Customers Due to Scam Through Phishing Links on Mobile Banking). Undergraduate thesis, Universitas 17 Agustus 1945 Surabaya.

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Abstract

Saat ini, mobile banking semakin popular di kalangan masyarakat. Kemajuan dalam teknologi internet yang dapat membantu sektor perbankan dalam menjalankan bisnisnya dengan lebih baik Faktanya, selain kelebihan terdapat kekurangan yaitu adanya kejahatan Phising. Phising pada dasarnya adalah tindakan kejahatan di mana pelaku menyamar sebagai orang atau organisasi yang dapat dipercaya dalam mengirimkan pesan melalui WhatsApp, Instagram, dll dalam bentu link dengan tujuan memperoleh data pribadi. Penelitian ini menganalisis pengaturan link phising pada mobile banking dan tanggung jawab bank atas kerugian yang dialami nasabah akibat scam melalui link phising pada mobile banking. Penelitian ini ialah penelitian hukum normatif dan menggunakan pendekatan Perundang-undangan serta pendekatan konseptual. Hasil penelitian ini memperlihatkan bahwasannya bank tidak hanya harus memastikan keamanan teknis, tetapi juga harus memberi tahu nasabah terkait cara mengurangi resiko serangan. Untuk memastikan perlindungan yang komprehensif, bank, pemerintah, dan pihak lain yang berkaitan harus bekerja sama. Karena semakin banyak nasabah kehilangan uang karena kasus tersebut yang mengakunya pihak bank. Selain itu juga, penelitian ini memeriksa apakah undang�undang yang berlaku cukup melindungi hak-hak nasabah atau pengawasan perilaku pegawai bank.

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