Protection of Customers for Management of Digital Banking Services (Study at PT. BRI Unit Boyolali)

2020 ◽  
Vol 3 (2) ◽  
pp. 170
Author(s):  
Herdian Ayu Andreana Beru Tarigan ◽  
Darminto Hartono Paulus
Keyword(s):  
Information Technology ◽  
Financial Services ◽  
Banking Industry ◽  
Service Innovation ◽  
Quality Of Services ◽  
Legal Research ◽  
Banking Services ◽  
Services Sector ◽  
Financial Services Sector

<p>Increasing competition in the Indonesian banking industry has encouraged many banks to improve the quality of services to customers by utilizing information technology developments. Service innovation in the use of information technology encourages banks to enter the era of digital banking services. However, the development of digital banking services also increases the risks faced by banks. The purpose of this study is to provide an overview of the implementation of digital banking services and customer protection for risks from digital banking services. The method used in this study is an empirical legal research method. The results of this study indicate that the implementation of digital banking services is regulated by OJK Regulation No.12/POJK.03/2018. The existence of this OJK Regulation is expected by banks as providers of digital banking services to always prioritize risk management in the use of information technology. In addition, this study also shows the existence of 2 types of customer protection for the use of digital banking services, namely preventive protection in the form of legislation related to customer protection in the financial services sector and repressive protection in the form of bank accountability for complaints from customers using digital banking services.</p>

scholarly journals PERAN OTORITAS JASA KEUANGAN TERHADAP PENGAWASAN LEMBAGA KEUANGAN DI INDONESIA

2019 ◽  
Vol 1 (02) ◽  
pp. 177-188
Author(s):  
Annisa Arifka Sari
Keyword(s):  
Capital Market ◽  
Financial Services ◽  
Financial Service ◽  
Legal Basis ◽  
Legal Research ◽  
Services Sector ◽  
Financial Services Sector ◽  
Stable Manner ◽  
The Government

Penelitian ini bertujuan untuk menjelaskan peran Otoritas Jasa Keuangan sebagai lembaga independen dalam melakukan pengawasan terhadap lembaga jasa keuangan di Indonesia serta kewenangan Otoritas Jasa Keuangan yang diatur dalam Undang-Undang Nomor 21 Tahun 2011 tentang Otoritas Jasa Keuangan. Metode yang digunakan dalam penelitian ini adalah penelitian hukum normatif. Dari hasil penelitian dijelaskan bahwa Otoritas Jasa Keuangan adalah lembaga yang independen dan bebas dari campur tangan pihak lain, yang mempunyai fungsi, tugas, dan wewenang pengaturan, pengawasan, pemeriksaan, dan penyidikan terhadap lembaga jasa keuangan seperti perbankan. Dasar hukum dibentuknya Otoritas Jasa Keuangan adalah Undang-Undang Nomor 21 Tahun 2011. Secara kelembagaan, Otoritas Jasa Keuangan berada di luar pemerintah, yang dimaknai bahwa Otoritas Jasa Keuangan tidak menjadi bagian dari kekuasaan pemerintah. Otoritas Jasa Keuangan dibentuk dengan tujuan agar keseluruhan kegiatan di dalam sektor jasa keuangan terselenggara secara teratur, adil, transparan, dan akuntabel; mampu mewujudkan sistem keuangan yang tumbuh secara berkelanjutan dan stabil; serta mampu melindungi kepentingan konsumen dan masyarakat. Otoritas Jasa Keuangan bertugas tidak hanya mengatur dan mengawasi perbankan saja, tetapi juga mencakup pasar modal, perasuransian, dana pensiun, lembaga pembiayaan, serta lembaga jasa keuangan lainnya.    THE ROLE OF FINANCIAL SERVICES AUTHORITY ON SUPERVISION OF FINANCIAL INSTITUTIONS IN INDONESIA This research aims to explain the role of the Financial Services Authority as an independent institution in supervising financial service institutions in Indonesia as well as the authority of the Financial Services Authority as regulated in Law Number 21 of 2011 concerning the Financial Services Authority. The method used in this research is normative legal research. From the research results, it is explained that the Financial Services Authority is an independent institution and free from interference from other parties, which has the function, task and authority to regulate, supervise, examine and investigate financial service institutions such as banks. The legal basis for the establishment of the Financial Services Authority is Law Number 21 of 2011. Institutionally, the Financial Services Authority is outside the government, which means that the Financial Services Authority is not part of the government's power. The Financial Services Authority was formed with the aim that all activities in the financial services sector are carried out in an orderly, fair, transparent and accountable manner; able to realize a financial system that grows in a sustainable and stable manner; and able to protect the interests of consumers and society. The Financial Services Authority is tasked with not only regulating and supervising banking, but also covering the capital market, insurance, pension funds, financing institutions, and other financial service institutions.    

Mobile Computing - An Enabler in International Financial Services

2011 ◽  
pp. 828-838
Author(s):  
N. Raghavendra Rao
Keyword(s):  
Information Technology ◽  
Wireless Communication ◽  
Mobile Computing ◽  
Financial Services ◽  
International Market ◽  
Services Sector ◽  
Financial Services Sector ◽  
Knowledge Based ◽  
Communication Environment ◽  
Information And Communication

Information and telecommunication technologies are the major stimulus for changes in trade and commerce. Recent convergence of the above technologies has become possible due to the rapid advancements made in the respective technology. This convergence is termed as information and communication technology (ICT) and considered as a new discipline. The new discipline has made cross border commerce in the present globalization scenario a reality. This chapter talks about a model for financial services sector in international market under the new discipline. The model explains the creation of knowledge based financial services system incorporating the sophisticated concepts of information technology. Further, it provides an access to the system with devices which can be used under wireless communication environment, across the globe.

scholarly journals The role of Information Technology in enhancing the quality of banking service

2018 ◽  
pp. 199
Author(s):  
Wafaa M. Fakhri
Keyword(s):  
Information Technology ◽  
Significant Relationship ◽  
Commercial Banks ◽  
Quality Of Services ◽  
Banking Services ◽  
Banking Service ◽  
Role Of It ◽  
Role Of Information

The study  seeks to  study the  role of IT in achieving the  quality of  banking services provided by commercial banks, which requires knowledge of the level of information technology that is used and the extent of employees' awareness of the quality of the importance of the quality of services provided to customers with government banks. The questionnaire was distributed to (60) employees of the branches of the Rafidain Bank for the province of Salah al-Din, from which 51 samples were returned to be valid for analysis. . The study concluded that there is a significant relationship between the information technology and the quality of banking services

scholarly journals Creative Destruction – An Inevitable Reality for the Financial Services Sector in Zambia?

2021 ◽  
Vol 04 (12) ◽  
Author(s):  
Billy Kaombe ◽  
Keyword(s):  
Financial Services ◽  
Null Hypothesis ◽  
Linear Regression Analysis ◽  
Secondary Data ◽  
Mobile Network ◽  
Disruptive Innovation ◽  
Banking Services ◽  
Mobile Money ◽  
Services Sector ◽  
Financial Services Sector

The financial services sector in Zambia has become increasingly exposed to the ever-growing challenges posed by mobile network operators (MNOs). The introduction of mobile money by MNOs has witnessed increased usage of mobile money services. During the same period, there has been a noticeable decline in the usage of digital banking services. The research study therefore sought to establish whether there was a correlation between increased usage of mobile money services and usage of digital banking services in Zambia. The study was quantitative in nature and was based on secondary data sources. Data from 19 of the 21 digital financial services providers in Zambia were analysed using times series trend analysis and simple linear regression analysis. In order to establish whether a correlation existed between increased usage of mobile money services and usage of digital banking services in Zambia, a t- test was conducted. This acted as a guide to the decision as to whether or not to accept or reject the null hypothesis. The study failed to reject the null hypothesis and therefore concluded that no correlation existed between increased usage of mobile money services and usage of digital banking services. However, the study expounded the research results in terms of Schumpeter, Christensen and Foster’s ideas on disruptive innovation.

Mobile Computing

2009 ◽  
pp. 1602-1614
Author(s):  
N. Raghavendra Rao
Keyword(s):  
Information Technology ◽  
Wireless Communication ◽  
Mobile Computing ◽  
Financial Services ◽  
International Market ◽  
Services Sector ◽  
Financial Services Sector ◽  
Knowledge Based ◽  
Communication Environment ◽  
Information And Communication

Information and telecommunication technologies are the major stimulus for changes in trade and commerce. Recent convergence of the above technologies has become possible due to the rapid advancements made in the respective technology. This convergence is termed as information and communication technology (ICT) and considered as a new discipline. The new discipline has made cross border commerce in the present globalization scenario a reality. This chapter talks about a model for financial services sector in international market under the new discipline. The model explains the creation of knowledge based financial services system incorporating the sophisticated concepts of information technology. Further, it provides an access to the system with devices which can be used under wireless communication environment, across the globe.

PENGARUH PROFITABILITAS, STRUKTUR KEPEMILIKAN KUALITAS AUDITOR TERHADAP KETEPATAN WAKTU PELAPORAN KEUANGAN PADA PERUSAHAAN PERBANKAN YANG TERDAFTAR DI BURSA EFEK INDONESIA TAHUN 2014-2016

2020 ◽  
Vol 9 (2) ◽  
pp. 42
Author(s):  
Dita Nurniati ◽  
Sarsiti .
Keyword(s):  
Economic Growth ◽  
Information Technology ◽  
Digital Technology ◽  
Industrial Revolution ◽  
Service Industry ◽  
Banking Industry ◽  
Rapid Development ◽  
Service Innovation ◽  
Banking Services ◽  
Excellent Service

The Industrial Revolution 4.0 is an opportunity for the banking industry in Indonesia to be more innovative in providing excellent service to all customers. Service innovation in the use of information technology encourages banks to enter the era of digital banking services. The purpose of this study is to determine the development of digital banking industry services in Indonesia. The rapid development of digital banking technology is a new challenge for the banking world. The banking industry as a service industry that is developing and capable of driving Indonesia's economic growth is faced with two choices, namely adopting digital technology so that banks can survive or remain conventional, but slowly die.

scholarly journals Cyclical Fluctuations in the Banking Services Market and the Changes in the Situation of Entities from the Financial Services Sector

2019 ◽  
Vol 5 (52) ◽  
pp. 118-129
Author(s):  
Robert Skikiewicz ◽  
Józef Garczarczyk
Keyword(s):  
Financial Services ◽  
Cross Correlation ◽  
Banking Sector ◽  
Time Range ◽  
Banking Services ◽  
Services Sector ◽  
Financial Services Sector ◽  
Cyclical Fluctuations ◽  
Banking Market ◽  
Cross Correlation Analysis

Abstract Section K of the services sector includes entities conducting financial and insurance activities and, among others, banks. Fluctuations in the whole economy and its individual sectors’ situation are interrelated; hence, one may also expect similarities of cyclical fluctuations in the banking sector and in the entire financial sector. The analyses in the article concern the connections between the cyclical fluctuations on the banking services market and in the entire K section of the services sector, grouping entities conducting financial and insurance activities in Poland. The analyses proved that changes in the economic situation appear earlier in the banking sector than in section K of the services sector. The time range of analyses covered the period from the first quarter of 2003 to the first quarter of 2018. Conclusions on relationships were formulated on the basis of cross-correlation analysis and the analysis of the turning points in the time series of variables describing the cyclical fluctuations in the banking market and in the K section of the services sector.

scholarly journals Penyelesaian Sengketa Kontrak Modal Ventura Dengan Perusahan Pasangan Usaha (PPU)

Wajah Hukum ◽  
2020 ◽  
Vol 4 (2) ◽  
pp. 311
Author(s):  
Indrajaya Indrajaya
Keyword(s):  
Venture Capital ◽  
Financial Services ◽  
Research Method ◽  
Business Partner ◽  
Legal Research ◽  
Conceptual Approach ◽  
Services Sector ◽  
Financial Services Sector ◽  
The Government ◽  
Settlement Of Disputes

In running their business, what is often the main obstacle for business actors in developing their business is usually related to the provision of capital. In order to overcome this, the Government issued policies in the economic sector, one of which was the issuance of policies regarding Financing Institutions as regulated in Presidential Regulation Number 9 of 2009. Followed up by the Regulation of the Minister of Finance on Venture Capital Companies No. 18 of 2012. As one of the businesses in the financial services sector, its approach is not only in business but also needs to be accompanied by a legal approach (legal approch) so that its existence can be recognized in business traffic. Even though the agreement has been bound in a contract, it is still common for business partner companies to default, and even lead to disputes in court. The purpose of this study is to analyze the settlement of disputes due to default by PPU on the contents of the financing contract between the Venture Capital Company and the PPU. The research method is normative legal research, using primary legal materials, secondary legal materials and tertiary legal materials. The approach is carried out with a statutory approach (statute approach) and a conceptual approach (conceptual approach). From the results of the research it is known that the settlement of disputes due to default by PPU on the contents of the financing contract between the Venture Capital Company and PPU, the settlement of the dispute is carried out by prioritizing non-litigation mechanisms, but if no agreement is reached, the Litigation channel is used.

Sign in / Sign up

Export Citation Format

Share Document