Ikhsan, Muhammad Ismi (2023) Perlindungan Hukum Nasabah Electronic Banking Pada Anjungan Tunai Mandiri (ATM) Bank Mandiri Terhadap ATM Error Cabang Sudirman Kota Pekanbaru. Other thesis, Universitas Islam Riau.

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Abstract

Automated Money Transfer Machine (ATM) stands for automatic money transfer machine and is an electronic machine that automatically serves customers. At Bank Mandiri Tbk, Pekanbaru City, after researchers conducted interviews with Bank Mandiri Tbk and the Bank Mandiri Tbk customer community, the erroneous ATM card was found. The error that occurs is that the card is often swallowed when the customer makes a transaction at the ATM machine. Protection of bank customers is needed so that the position of consumers is not lower than that of business entities or banks. When a loan agreement is made by a bank, it is usually in the form of a standard agreement, in which the contents of the agreement are determined unilaterally by the bank. The main problem in this research is how the legal protection of electronic banking customers through Bank Mandiri's Automated Teller Machines (ATM) against ATM Errors at Bank Mandiri Tbk Pekanbaru City. What is the responsibility of Bank Mandiri Tbk to Customers of Bank Mandiri Tbk's Automated Teller Machine for Atm Errors. This study uses the legal research method observational research or survey where in this study collects information from respondents using a data collection tool in the form of interviews and the nature of this research is descriptiveanalytic, that is, the research provides data as accurately as possible to describe the Legal Protection of Electronic Banking Customers at Automated Teller Machines (Automated Teller Machines). Atm) Bank Mandiri Against Atm Error Sudirman Branch, Pekanbaru City. The results of this study indicate that the form of responsibility on the part of Bank Mandiri Tbk to Customers of the Mandiri Teller Machine Bank Mandiri Tbk against the Atm Error in the Sudirman Branch, Pekanbaru City, that the legal protection of the ATM card agreement, even though there are no clear regulations yet, is based on an agreement made the parties. The agreement still has a fairly strong foundation, namely the existence of a civil law principle known as the principle of freedom of contract which is regulated in article 1338 of the Indonesian Civil Code. The respective agreements have resulted in the rights and obligations of each party, both from the cardholder/customer/holder and issuer/issuer/bank. From the rights and obligations of the parties there is a separate responsibility, so that if later a problem occurs it is resolved based on the agreement that has been made. Efforts to resolve it are limited between the customer/cardholder and the issuer/issuer and do not go to court. The bank is responsible for the use of the ATM card and the facilities in it if a case occurs, with the exception that the bank is not responsible if the error is caused by the customer himself. Basically the bank that issues the ATM card will still resolve cases that arise as the responsibility of the bank as the issuer/issuer while still adhering to the existing regulations.

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