Legal Protection Efforts for Customers in Banking Services Related to Cybercrime Case Study KB Bank Pinrang

The development of digital technology in banking services has brought significant impact, including
the increased risk of cybercrime that threatens the security of customer data and assets. This study
aims to analyze the legal protection efforts for customers in dealing with the threat of cyber crime
in the bankin g sector. The research method used is a literature study with a normative juridical
approach, studying natio nal regulations such as the ITE Law, consumer protection law, pojk, This
research used Descriptive Qualitative analysis that emphasizes the results of interviews and b ook
literature related to banking and economic research showed that although there have been a number
of regulations that regulate the protection of customers, its implementation still faces challenges
such as a lac k of cyberexpert human resources, cross-country law enforcement difficulties, and
regulatory gaps related to bank responsibility. This study recommends strengthening the legal
framework through revision of the ITE Law, integration of the Personal Data Protection Act with
pojk, as well as increased collaboration between banks, OJK and BSSN. In addition, customer
education on digital security and cyber court development is an import ant step to improve customer
legal protection. This research is expected to contribute to the development of banking policies and
practices that are more secure and responsive to cybercrime threats