PENGATURAN PERLINDUNGAN DATA PRIBADI KONSUMEN JASA KEUANGAN DALAM PENGGUNAAN UANG ELEKTRONIK BERBASIS SERVER
DOI:
https://doi.org/10.25123/vej.v8i2.5213Keywords:
personal data; electronic money; data protection regulationsAbstract
The digitalization of the economy in Indonesia in the Covid-19 pandemic situation has further encouraged banks and business actors to make innovations in order to reduce direct contact with consumers of financial services, one of which is the presence of server-based electronic money. Users who use these services are required to fill in their personal data first. With the provision of personal data belonging to consumers of financial services or users, the issuer of server-based electronic money has an obligation to protect users' personal data so that unauthorized dissemination or misuse of data does not occur. The widespread use of server-based electronic money in public activities makes provisions related to the protection of personal data important in order to protect users. However, it is necessary to examine whether the provisions on the protection of personal data of financial service consumers on server-based electronic money have met best practices. To answer these problems, research was conducted using normative juridical methods sourced from library materials. The results of the research obtained are the protection of personal data of consumers of financial services on server-based electronic money has been regulated in regulations that aim to protect users' personal data. The regulation has adopted the principles of personal data regulation as well as the General Data Protection Regulation (GDPR) and the existing laws and regulations in Indonesia. These regulations play a role in protecting the rights of users regarding their personal data such as the right to assimilate or withdraw the consent that has been given previously.
References
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Badan Penelitian dan Pengembangan SDM Kementerian Komunikasi dan Informatika, Perkembangan Ekonomi Digital di Indonesia: Strategi dan Sektor Potensial, Puslitbang Aptika dan IKP, 2019
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Peraturan:
Draft Rancangan Undang-Undang Perlindungan Data Pribadi Tahun 2020 (Januari)
Peraturan Bank Indonesia Nomor 20/6/2018 tentang Uang Elektronik
Peraturan Bank Indonesia Nomor 22/20/PBI/2020 tentang Perlindungan Konsumen Bank Indonesia
Peraturan Bank Indonesia Nomor 22/23/PBI/2020 tentang Sistem Pembayaran
Peraturan Bank Indonesia Nomor 23/6/PBI/2021 tentang Penyedia Jasa Pembayaran
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Peraturan Pemerintah Nomor 71 Tahun 2019 tentang Penyelenggaraan Sistem dan Transaksi Elektronik
Regulation (EU) 2016/679 of the European Parliament and of the Council of 27 April 2016 on the protection of natural persons with regard to the processing of personal data and on the free movement of such data, and repealing Directive 95/46/EC
Undang-Undang Nomor 8 Tahun 1999 tentang Perlindungan Konsumen
Undang-Undang Nomor 19 Tahun 2016 tentang Perubahan atas Undang-Undang Nomor 11 Tahun 2008 tentang Informasi dan Transaksi Elektronik
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Putra Ananda. “Pandemi Covid-19 Membuat Ekonomi Digital Indonesia Tumbuh Pesat”. <https://mediaindonesia.com/ekonomi/397976/pandemi-covid-19-membuat-ekonomi-digital-indonesia-tumbuh-pesat>. diakses pada tanggal 15 Oktober 2021 pukul 17.40 WIB.
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