LEGAL LIABILITY OF BANKS FOR CUSTOMER LOSSES RESULTING FROM SKIMMING FROM THE PERSPECTIVE OF ELECTRONIC TRANSACTION SECURITY
Published:
2026-07-27Downloads
Abstract
Banks are among the financial institutions that play a highly significant role in a country's economy. Their function as both custodians of funds and financial intermediaries is widely recognized as beneficial to society and the business sector. Today, convenience and transaction speed have become key priorities for banks in delivering services to their customers. Various banking services have adopted information technology that has become an integral part of everyday use, including online banking services, Automated Teller Machine (ATM) networks, Electronic Data Capture (EDC) networks, phone banking services, internet banking services, credit card services, installment card services, and other deferred payment facilities. This study aims to examine the legal liability of banks for customer losses resulting from skimming from the perspective of electronic transaction security. The research employs a library research method. The approach adopted in this study is a normative legal approach. The primary legal materials consist of statutory regulations with binding legal force, including: Law Number 10 of 1998 concerning Banking; Law Number 11 of 2008 concerning Electronic Information and Transactions, as amended by Law Number 19 of 2016; Law Number 8 of 1999 concerning Consumer Protection; and Financial Services Authority Regulation Number 1/POJK.07/2013 concerning Consumer Protection in the Financial Services Sector. In fulfilling their legal responsibility and providing services to customers to prevent skimming, banks have adopted security technologies such as two-factor authentication (2FA), data encryption, and biometric authentication (such as fingerprint and facial recognition) to enhance the protection of customer data and transactions. In addition, banks comply with policy directives issued by the Indonesian banking authorities by adhering to the applicable regulatory framework to ensure legal certainty and customer satisfaction.
Keywords: Legal Liability, Banking, Skimming, Electronic Transactions).
Keywords:
Legal Liability Banking Skimming Electronic TransactionsReferences
Adam Chazawi. Tindak Pidana Informasi dan Transaksi Elektronik. Malang: Media Nusa Creative, 2015.
Adhi Maulana. “Begini Cara Kerja Pembobolan Kartu ATM dengan Metode Skimming.” https://www.liputan6.com/tekno/read/2049670/begini-cara-kerja-iskimmingi-kartu-atm.
———. “Mengenal Modus Pembobolan ATM Melalui Teknik Skimming.” https://www.liputan6.com/tekno/read/2302264/mengenal-modus-pembobolan-atm-melalui-teknik-skimming.
Budi Suhariyanto. Tindak Pidana Teknologi Informasi (Cybercrime): Urgensi Pengaturan dan Celah Hukumnya. Jakarta: Rajawali Press, 2013.
Cahyadi, Ketut Partha, and A.A.A. Ngr. Sri Rahayu Gorda. “Perlindungan Hukum Terhadap Nasabah dari Ancaman Kejahatan Perbankan Skimming Melalui Layanan Electronic Banking (Studi Kasus di Bank Rakyat Indonesia).” Jurnal Analisis Hukum 2, no. 1 (2019): 173.
Dian Alan Setiawan. “Perkembangan Modus Operandi Kejahatan Skimming dalam Pembobolan Mesin ATM Bank sebagai Bentuk Kejahatan Dunia Maya (Cybercrime).” Vol. 16, No. 2, 2018.
Dian Ekawati. “Perlindungan Hukum Terhadap Nasabah Bank yang Dirugikan Akibat Kejahatan Skimming Ditinjau dari Perspektif Teknologi Informasi dan Perbankan.” Unnes Law Review 1, no. 2 (2018): 159. https://review-unes.com/index.php/law/article/view/24/15.
Hermansyah. Hukum Perbankan Indonesia. Revised Edition. Jakarta: Kencana, 2009.
Indrajit, Eko Richardus. Keamanan Teknologi Informasi dan Internet. Jakarta: EKOJI Preinexus, 2013.
J. Robberl. Teori Kriminologi: Konteks dan Konsekuensi. Jakarta: Kencana, 2015.
Jovin Ganda Ramdhan, and Sumiyati. “Perlindungan Hukum Nasabah Korban Skimming Ditinjau dari Undang-Undang Nomor 8 Tahun 1999.” Mimbar Keadilan 12 (2019): 85.
Kansil, C.S.T. Pengantar Ilmu Hukum dan Tata Hukum Indonesia. Jakarta: Balai Pustaka, 1989.
Kelsen, Hans. Teori Hukum Murni. Translated by Rasul Mutaqien. Bandung: Nuansa & Nusa Media, 2006.
Kusuma, Mahesa Jati. Hukum Perlindungan Nasabah Bank: Upaya Hukum Melindungi Nasabah Bank terhadap Tindak Kejahatan ITE di Bidang Perbankan. Bandung: Nusa Media, 2012.
———. “Perlindungan Hukum Terhadap Nasabah Bank yang Menjadi Korban Kejahatan ITE di Bidang Perbankan.” Al’ Adl 5, no. 9 (2013): 38. https://ojs.uniska-bjm.ac.id/index.php/aldli/article/view/188/181.
Linggoharjo, Victoria. “Tanggung Jawab Kejahatan Perbankan Melalui Modus Operandi Skimming.” Magister Hukum Argumentum 7, no. 1 (2020): 34. https://media.neliti.com/media/publications/339486-tanggung-jawab-kejahatan-perbankan-melal-557e7cc7.pdf.
Mansur, M. Arief, and Elisatris Gultom. Urgensi Perlindungan Korban Kejahatan (Antara Norma dan Realita). Jakarta: PT RajaGrafindo Persada, 2006.
Muchsin. Perlindungan dan Kepastian Hukum bagi Investor di Indonesia. Surakarta: Universitas Sebelas Maret, 2003.
Rahardjo, Satjipto. Ilmu Hukum. Bandung: Citra Aditya Bakti, 2012.
Ridwan HR. Hukum Administrasi Negara. Jakarta: Rajawali Pers, 2016.
Salim HS, and Erlies Septiana Nurbani. Penerapan Teori Hukum pada Penelitian Disertasi dan Tesis. Buku Kedua. Jakarta: Rajawali Pers, 2009.
Setiono. Rule of Law (Supremasi Hukum). Surakarta: Program Pascasarjana Magister Ilmu Hukum Universitas Sebelas Maret, 2004.
Youky Surinda. “Konsep Tanggung Jawab Menurut Teori Tanggung Jawab dalam Hukum.” http://id.linkedin.com (accessed March 21, 2022).
Undang-Undang Nomor 8 Tahun 1999 tentang Perlindungan Konsumen.
Undang-Undang Nomor 10 Tahun 1998 tentang Perbankan.
Undang-Undang Nomor 11 Tahun 2008 tentang Informasi dan Transaksi Elektronik sebagaimana telah diubah dengan Undang-Undang Nomor 19 Tahun 2016.
Peraturan Otoritas Jasa Keuangan Nomor 1/POJK.07/2013 tentang Perlindungan Konsumen Sektor Jasa Keuangan.
Kitab Undang-Undang Hukum Perdata (KUHPerdata).
License
Copyright (c) 2026 Aditya Tri Hardiyawan, Sanusi, Soesi Idayanti
This work is licensed under a Creative Commons Attribution 4.0 International License.
