PENYELESAIAN GANTI KERUGIAN PADA NASABAH PENGGUNA MOBILE BANKING YANG MENGALAMI KESALAHAN TRANSAKSI

Abstract

ABSTRACT The challenge of compensation for mobile banking customers who experience transaction errors, the settlement of compensation for mobile banking customers is given by the bank to customers in the amount of material losses, compensation can be requested to the bank starting from the existence of complaints, data checking, and refunds.Complaints can be made by customers either alone or represented either in writing or orally. The bank is obliged to check the complaint report for 14 days and if an error is found the bank is obliged to return the customer's funds.The research method used is normative juridical with a conceptual approach and a statutory approach (statue approach), This research uses primary, secondary, and tertiary legal materials, Analysis of legal materials using qualitative descriptive techniques, namely analyzing legal materials by describing based on primary legal materials and secondary legal materials.From the results of the study it can be concluded that mobile banking is a bank service to its customers to meet the needs of information and ease of transactions via the internet network. In its use, it is very possible that there are technical errors and / or human errors that result in losses for mobile banking customers.Identifying the causes of transaction errors in mobile banking users there are four specific risks, namely,: Transaction/operations riks, Reputation risk, Outsourcing risk, Credit risk. Keywords: Mobile banking, Compensation, Customer ABSTRAK Tantangan ganti rugi pada nasabah pengguna mobile banking yang mengalami kesalahan transaksi,penyelesaian ganti kerugian pada nasabah pengguna mobile banking diberikan bank kepada nasabah senilai dengan kerugian materil,Ganti kerugian dapat diminta kepada bank dimulai dari dengan adanya pengaduan,pengecekan data,dan pengembalian dana.Pengaduan dapat dilakukan nasabah baik sendiri atau diwakilkan baik secara tertulis maupun lisan. Bank wajib melakukan pengecekan laporan pengaduan selama 14 hari dan apabila ditemukan kesalahan bank wajib mengambalikan dana nasabah tersebut.Metode penelitian yang digunakan adalah yuridis normatif dengan pendekatan konseptual (conseptual approach) dan pendekatan perundang-undangan (statue approach), Penelitian ini menggunakan bahan hukum primer, sekunder, dan bahan hukum tersier, Analisis bahan hukum menggunakan teknik deskriptif kualitatif, yaitu menganalisis bahan hukum dengan cara menggambarkan berdasarkan bahan hukum primer dan bahan hukum sekunder.Dari hasil penelitian dapat ditarik kesimpulan Mobile banking merupakan pelaanan bank kepada nasabahnya untuk memenuhi kebutuhan atas informasi dan kemudahan transaksi melalui jaringan internet. Dalam penggunaanya sangat mungkin terdapat kesalahan teknis dan/atau human error yang berakibat munculnya kerugian bagi nasabah penguna mobile banking.Mengidentifikasi penyebab kesalahan transaksi pada pengguna mobile banking terdapat empat resiko empat resiko spesifik yaitu,: Transaction/operations riks, Reputation risk, Outsourcing risk, Credit risk. Kata Kunci: Mobile Banking,Ganti Rugi,Nasabah