RE-EVALUASI PENDIRIAN BANK DIGITAL DI INDONESIA: PARADIGMA, KONSEP DAN REGULASI
DOI:
https://doi.org/10.25123/vej.v8i2.5433Keywords:
Digital Bank; Neo Bank; Financial Services AuthorityAbstract
The Financial Services Authority, anticipating the movement towards digital (bank 5.0), issued Regulation no. 12/POJK.03/2021 concerning Commercial Banks. However, its coverage is limited. It covers only rules on how to establish and manage digital branches of existing banks. Not yet available are special arrangements for the establishment of digital commercial banks or neo-banks. This paper discusses the possibility of establishing digital banks in Indonesia. By perusing the prevailing laws and regulations, and re-evaluate what exist, the author reached the conclusion that the Bank Law should be changed to accommodate this new trend. The prevailing OJK regulation apparently does not suffice as the legal basis for the establishment and operation of digital system of the Bank-Ied model, the Telco-Ied Model or the Hybrid Model, or neo-bank. In addition, adequate arrangements are needed regarding online dispute resolution, and imposition of sanctions.
References
Buku:
Adrian Sutedi, Aspek Hukum Otoritas Jasa Keuangan, Raih Asa Sukses, Jakarta, 2014.
Abdul Halim Barkatullah, Hukum Transaksi Elektronik diIndonesia (Sebagai Pedoman dalam Menghadapi Era Digital Bisnis e-Commerce di Indonesia), Penerbit Nusa Media, Bandung 2017.
Hermansyah, Hukum Perbankan Nasional Indonesia, Penerbit Kencana Prenada Media Group, Jakarta 2000.
I.G.N. Alit Asmara Jaya, Branchless Banking: Bank Tanpa Kantor Pada Era Digital, Expose, Jakarta, 2017.
Neni Sri Imaniyati & Panji Adam Agus, Pengantar Hukum Perbankan Indonesia, Refika Aditama, Bandung, 2016
Widigdo Sukarman, Liberalisasi Perbankan Indonesia, KPG, Jakarta,2014.
Jurnal:
Cvijovic, J., Stankovic, M. K., & Relljic, M, “Customer Relationship Management In Banking Industry: Modern Approach”. Industrija Journal, Volume 45, No.3, 2017.
Chosyali, A., & Sartono, T. “Optimalisasi Peningkatan Kualitas Kredit Dalam Rangka Mengatasi Kredit Bermasalah”. Jurnal Law Reform, Volume 15 No.1, 2019.
Candrawati, Ni Nyoman A, Perlindungan Hukum Terhadap Pemegang Kartu E-Money Sebagai Alat Pembayaran Dalam Transaksi Komersial. Jurnal Magister Hukum Udayana (Udayana Master Law Journal), Volume 3, No.1, 2014.
Cokorda Gede Swetasoma, Proyeksi Pengaturan Neo Bank Dalam Masa Depan Perbankan Di Indonesia, Yustitia, Vol. 16 No. 1 Mei 2022.
Dasrol, Fungsi Strategis Lembaga Otoritas Jasa Keuangan Dalam Pengawasan Perbankan Nasional Indonesia, Volume 21, No.2, Fakultas Hukum Universitas Riau, Riau, 2013.
Dauglas W. Arner & Janos Barberis, ‘FinTech in China: from the Shadows’, The Journal of Financial Perspectives: FinTech, EY Global Financial Service Institute, Volume 3, No.3 2015.
Dwi Ayu Astrini, Perlindungan Hukum Terhadap Nasabah Bank Pengguna Internet Banking Dari Ancaman Cybercrime, Juornal Lex Privatum, Volume III/No. 1 (Jan-Mar/2015).
Evanlie Robot, Kewenangan Bank Indonesia Pasca Terbentuknya Otoritas Jasa Keuangan Menurut Undang-Undang Nomor 21 Tahun 2011, Lex Et Societatis Volume VII, No.6, 2019.
Herdian Ayu Andreana Beru Tarigan, Darminto Hartono Paulus, Perlindungan Hukum Terhadap Nasabah Atas Penyelenggaraan Layanan Perbankan Digital, Jurnal Pembangunan Hukum Indonesia Volume 1, Nomor 3, Tahun 2019.
Khanan, “Aspek Yuridis Keberadaan Agen dalam Model Branchless Banking di Sistem Perbankan Indonesia”, Private Law, Volume IV, No.1, Fakultas Hukum Universitas Sebelas Maret, 2016.
Marlina, A., & Bimo, W.A. “Digitalisasasi Bank Terhadap Peningkatan Pelayanan Dan Kepuasan Nasabah Bank”. Jurnal Ilmiah Inovator, Volume 7, No.1, Edisi Maret, 2018.
Rajeshwari M. Shettar, Neo Bank: A New Landscape, Journal of Xi'an University of Architecture & Technology, Volume XII, Issue III, 2020
Talumewo. F, Pertanggungjawaban Bank Terhadap Nasabah Yang Menjadi Korban Kejahatan Informasi Dan Transaksi Elektronik (ITE). Jurnal Lex Crime, Volume II, No.1, 2013.
Trisna, Febriana, Studi Penerapan Inovasi Teknologi Informasi Dengan Metode Technology Watch end Competitive Intelligence (TW-CI), Jurnal Binus Uneversity, Jakarta, Volume 5, No.1 Juni 2014.
Wonok, David. Y, Perlindungan Hukum Atas Hak - Hak Nasabah Sebagai konsumen Pengguna Jasa Bank Terhadap Risiko yang Timbul dalam Penyimpanan Dana. Jurnal Hukum Unsrat, Volume 1, No. 2, 2013.
Zhou Weihuan Dauglas W. Armer & Ross P. Buckley, ‘Regulation of Digital Financial Services in China: Last Mover Advantage’, Tsinghua China Law Review, Volume 8, No.1, 2015.
Internet:
Luky Maulana Firmansyah dan Aulia Putri Pandamsari, Dua bank digital nasional segera meluncur (online) https://lokadata.id/artikel/dua-bank-digital-nasional-segera-meluncur diakses pada 7 februari 2022.
Herni Aning Subandini, Mengenal Bank Digital, Layanan Perbankan Jaman Now! https://bahasan.id/mengenal-bank-digital-layanan-perbankan-jaman-now/ diakses pada 3 oktober 2022
https://www.ojk.go.id/id/Pages/FAQ-Otoritas-Jasa-Keuangan.aspx diakses 13 februari 2022
Tahir Saleh, Bank Digital Bakal Diatur OJK, Boleh Tanpa Kantor cabang Fisik https://www.cnbcindonesia.com/market/20210107122532-17-214149/wah-bank-digital-bakal-iatur-ojk-boleh-tanpa-kacab-fisik diakses 23 februari 2021
https://www.ojk.go.id/id/Pages/FAQ-Otoritas-Jasa-Keuangan.aspx diakses pada 9 februari 2022
Tirta Citradi, CNBC Indonesia, Persaingan Bank Digital di RI makin seru, siapa jadi jawara, https://www.cnbcindonesia.com/market/20210203022555-17-220598/persaingan-bank-digital-di-ri-makin-seru-siapa-jadi-jawara (online) diakses pada19 maret 2022.
Untung Kasirin, Mengenal Layanan Digital Banking dan Jenis-jenisnya, https://akuntansikeuangan.com/digital-banking/, diakses pada 20 maraet 2022.
Nanang Ajim, Persyaratan Pendirian Bank, (online), https://www.mikirbae.com/2016/09/persyaratan-pendirian-bank.html diakses pada 21 maret 2022
Downloads
Published
Issue
Section
License
Copyright (c) 2022 Reka Dewantara, Hany Ayunda Mernisi Sitorus
This work is licensed under a Creative Commons Attribution-NonCommercial 4.0 International License.
Authors who publish with this journal agree to the following terms:
Authors retain copyright and grant the journal right of first publication with the work simultaneously licensed under a Creative Commons Attribution License that allows others to share the work with an acknowledgement of the work's authorship and initial publication in this journal.
Authors are able to enter into separate, additional contractual arrangements for the non-exclusive distribution of the journal's published version of the work (e.g., post it to an institutional repository or publish it in a book), with an acknowledgement of its initial publication in this journal.
Authors are permitted and encouraged to post their work online (e.g., in institutional repositories or on their website) prior to and during the submission process, as it can lead to productive exchanges, as well as earlier and greater citation of published work.
The Journal allow the author(s) to hold the copyright and to retian publishing rights without restrictions.
![Creative Commons License](https://journal.unpar.ac.id/index.php/veritas/management/settings/<a%20rel="license" href="http:/creativecommons.org/licenses/by/4.0/"><img alt="Creative Commons License" style="border-width:0" src="https:/i.creativecommons.org/l/by/4.0/88x31.png" /></a><br />This work is licensed under a <a rel="license" href="http:/creativecommons.org/licenses/by/4.0/">Creative Commons Attribution 4.0 International License</a>.)
