TINJAUAN HUKUM HAK NASABAH TERHADAP LAYANAN MOBILE BANKING DI MAKASSAR

Abstract

This research was conducted to find out: is the implementation of Mobile Banking services by the State Savings Bank carried out in accordance with applicable regulations and the obstacles that affect the effectiveness of the implementation of Mobile Banking services by the State Savings Bank in Makassar City The type of research is empirical juridical or literature law research. The types of data used are primary data and secondary data. Data collection techniques carried out are; interviews with respondents, namely the bank and bank customers from bank BTN and literature studies, namely data collection techniques by reading, recording, studying, and reviewing books, literature, notes and laws and regulations Based on the results of this thesis research, it can be interpreted that: 1) In the event that the implementation of digital banking services carried out by the State Savings Bank is in accordance with what is stated in the Financial Services Authority Regulation No.12/POJK.03/2018 concerning the Implementation of Digital Banking Services by Commercial Banks, the regulation explains that banks can provide electronic banking services or digital banking services must implement risk management, prudential principles, and comply with the provisions in the Financial Services Authority Regulation. 2) Obstacles that affect the effectiveness of the implementation of Mobile Banking services are the problem of lack of knowledge of technology and provider networks that are not optimal in mobile banking transactions.