Legal Protection of Consumer Personal Data in Digital Banking Services in Indonesia

The development of digital technology has driven the transformation of banking services that are now digital-based. Behind the convenience of these services, there are major challenges related to the protection of consumer personal data. This research aims to analyse the legal protection of personal data in digital banking services in Indonesia. This normative research uses a statutory approach by examining relevant laws and regulations, such as the Personal Data Protection Act, Financial Services Authority Regulations and Bank Indonesia Regulations as well as a conceptual approach. The results of this study show that there are already several laws and regulations governing digital financial services in Indonesia that seek to provide protection for the use of personal data for financial services consumers, although there are still several cases of theft and misuse of personal data of financial services consumers as well as forms of legal protection of personal data in digital banking services. This study is expected to provide further understanding of the urgency of personal data protection and the contribution of regulations in creating a safe digital banking ecosystem for consumers.