Initiating the Establishment of Digital Banks in Indonesia: A Juridical Study

Danang Kurniawan(1*),

(1) Universitas Muhammadiyah Yogyakarta
(*) Corresponding Author
DOI: https://doi.org/10.23917/jtl.v4i1.17311

Abstract

In the industrial era 4.0 as it is today, the ease and speed of getting something is highly sought after, including the ease and speed of obtaining financial services. The convenience of banking services is an advantage for consumers in choosing a service provided in the bank. This is what banks do to form services from conventional banks to open digital services. But it is felt that digital services are not enough to meet the needs of customers in carrying out all their transaction activities at the bank. With that, a digital bank service was opened. However, if viewed from the juridical aspect in Indonesia, there is no special regulation that regulates digital banks. As a country that adheres to a civil law system, it has become a real consequence that all applicable laws must be codified and regulated according to applicable laws. Problems arise when digital banks operate but there is no legal basis to specifically deal with it. This research uses a normative juridical method with a library approach. The findings obtained from this article are that there are no special rules governing digital banks in a law so that a special rule regarding digital banks is needed because there are significant differences with conventional banks.

Keyword: Digital Bank, Regulation, Indonesia

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