Analisis Terhadap Perlindungaan Hukum Terhadap Nasabah Bank Korban Pencurian Dana Dengan Metode Skimming Berdasarkan Undang-undang Nomor 8 Tahun 1999 Tentang Perlindungan Konsumen

Marpaung, Pandapotan (2023) Analisis Terhadap Perlindungaan Hukum Terhadap Nasabah Bank Korban Pencurian Dana Dengan Metode Skimming Berdasarkan Undang-undang Nomor 8 Tahun 1999 Tentang Perlindungan Konsumen. Other thesis, Universitas Islam Riau.

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Abstract

The development of a technology besides having a positive impact can also have a negative impact, one of which is the development of crime in cyberspace or commonly known as cybercrime. This of course also has an impact on the use of ATM technology which cannot avoid the potential for crime. To guarantee the potential for this crime, the bank uses the ATM by providing a security technique in the form of a Personal Identification Number (PIN) so that only people who know that can use transactions at the ATM. Based on the background above, the problem that will be answered in this thesis research is How is the Legal Protection of Bank Customers Victims of Fund Theft Using the Skimming Method Based on Law Number 8 of 1999 concerning Consumer Protection? and What is the Responsibility of the Bank to Customers for Theft of Funds Using the Skimming Method Based on Law Number 8 of 1999 concerning Consumer Protection? This type of research is sociological legal research which is carried out by means of a survey, namely research directly to the research location using a data collection tool in the form of interviews. Meanwhile, if seen from its nature, this writing is descriptive analytical, which means that the research is intended to provide a detailed, clear and systematic description. The responsibility of banks towards customers for stealing money by means of skimming is based on Consumer Protection Law no. 8 of 1999, the bank will replace lost customer money and first ensure the loss of customer money because it was caused by the act of the suspect duplicating ATM cards or by the customer's own losses, so that if the customer's losses are caused by the customer's own losses, the bank is not obliged to return the losses incurred. suffered by customers.

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