Bentuk Pengaturan Perbankan Digital di Negara Indonesia dan Singapura
DOI:
https://doi.org/10.31328/ls.v8i2.5438Keywords:
Digital Banking, Digital Transformation, Comparative Legal AnalysisAbstract
Technological developments and digital transformation have had a significant impact on the banking industry sector, triggering the rapid growth of digital banking. This research aims to examine the regulation of digital banking in the era of digital banking transformation by focusing on the comparison between Indonesia and Singapore. This research uses normative juridical research with a statute approach and comparative approach. The results of this research provide in-depth insight into the differences and similarities in regulatory approaches to the level of security, innovation and digital banking penetration between Indonesia and Singapore. The results of this research bring a comprehensive understanding of how the two countries respond to the challenges and opportunities in the era of digital banking transformation which is expected to contribute to the development of digital banking in Indonesia today.References
Abubakar, Lastuti, and Tri Handayani. “Penguatan Regulasi: Upaya Percepatan Transformasi Digital Perbankan Di Era Ekonomi Digital.†Masalah-Masalah Hukum 51, no. 3 (July 2022): 259–70. https://doi.org/10.14710/mmh.51.3.2022.259-270.
Afrizal, Afrizal, Marliyah Marliyah, and Fuadi Fuadi. “Analisis Terhadap Cryptocurrency (Perspektif Mata Uang, Hukum, Ekonomi Dan Syariah).†E-Mabis: Jurnal Ekonomi Manajemen Dan Bisnis 22, no. 2 (2021): 13–41. https://doi.org/10.29103/e-mabis.v22i2.689.
Agustiene, Pujiastri, and Imam Haryanto. “Aspek Hukum Perencana Keuangan Dan Pengelolaan Dana Investasi Di Indonesia Dibandingkan Dengan Singapura†9, no. 3 (2022): 1137–50.
Almaida, Zennia, and Moch Najib Imanullah. “Perlindungan Hukum Preventif Dan Represif Bagi Pengguna Uang Elektronik Dalam Melakukan Transaksi Tol Nontunai.†Privat Law 9, no. 1 (2021): 218–26.
Almasri, Bisan. “Toward Sustainability: Digital Banking.†RESEACRH, no. September (2023).
Amrillah, Muhammad Urfi. “Urgensi Pembentukan Undang-Undang Digital Banking Bagi Perbankan Syariah Di Indonesia.†Jurnal Lex Renaissance 5, no. 4 (October 2020). https://doi.org/10.20885/JLR.vol5.iss4.art12.
“AN ECOSYSTEM PLAYBOOK: ENGAGE, EXPERIMENT AND EXECUTE.†In The FinTech Nation, 1–16. WORLD SCIENTIFIC, 2023. https://doi.org/10.1142/9789811249167_0001.
Ariswanto, Dery, Anwar Saleh Hasibuan, and Muhammad Zaenal Abidin. “Transformasi PBI Ke POJK Dalam Kaitannya Dengan Perkembangan Ekonomi Syariah Di Indonesia.†Minhaj: Jurnal Ilmu Syariah 4, no. 2 (July 2023): 140–54. https://doi.org/10.52431/minhaj.v4i2.1658.
Assyifa, Alifiyah, Arif Firmansyah, and Rimba Supriatna. “Tanggung Jawab Bank Terhadap Dana Nasabah Yang Mengalami SIM Swap Fraud Atas Transaksi Mobile Banking Ditinjau Dari POJK Nomor 12/POJK.03/2018 Tentang Penyelenggaraan Layanan Perbankan Digital Oleh Bank Umum.†BANDUNG CONFERENCE SERIES: LAW STUDIES 2, no. 1 (2022): 829–34. https://doi.org/10.29313/bcsls.v2i1.1252.
Carundeng, Refaldy Braif, Anna S. Wahongan, and Presly Prayogo. “Perlindungan Hukum Terhadap Data Pribadi Konsumen Yang Diretas Berdasarkan Peraturan Menteri Komunikasi Dan Informatika Nomor 20 Tahun 2016 Tentang Perlindungan Data Pribadi Dalam Sistem Elektronik.†Lex Privatum 10, no. 1 (2022): 188–98.
Dewantara, Reka, and Hany Ayunda Mernisi Sitorus. “Re-Evaluasi Pendirian Bank Digital Di Indonesia: Paradigma, Konsep Dan Regulasi.†Veritas et Justitia 8, no. 2 (December 2022): 493–513. https://doi.org/10.25123/vej.v8i2.5433.
Disemadi, Hari Sutra. “Lenses of Legal Research: A Descriptive Essay on Legal Research Methodologies.†Journal of Judicial Review 24, no. 2 (November 30, 2022): 289–304.
“Evolution of a Central Bank.†In Resilience, Dynamism, Trust, 1–3. WORLD SCIENTIFIC, 2021. https://doi.org/10.1142/9789811250125_others01.
Gaib, Djuwita N. “Dinamuka Hukum Perbankan Digital Di Indonesia.†Lex Et Societatis 7, no. 11 (2019): 23–32. https://doi.org/10.35796/les.v7i11.27366.
Ghozali, Mohammad, Muhammad Ulul Azmi, and Wahyu Nugroho. “Perkembangan Bank Syariah Di Asia Tenggara: Sebuah Kajian Historis.†Falah: Jurnal Ekonomi Syariah 4, no. 1 (June 2019): 44. https://doi.org/10.22219/jes.v4i1.8700.
Goh, Keng Swee. “Which of the Monetary Aggregates Does MAS Watch?†In Resilience, Dynamism, Trust, 70–78. WORLD SCIENTIFIC, 2021. https://doi.org/10.1142/9789811250125_0009.
Habibi M. R. “Peran Perbankan Syari’Ah Dalam Perkembangan Perekonomian Di Indonesia.†Jurnal Hukum Bisnis Islam 12, no. 1 (2022): 1–25.
Halawa, Filemon, Ampuan Situmeang, and FL Yudhi Priyo Amboro. “Perlindungan Hukum Preventif Kepada Konsultan Hukum Pasar Modal Di Indonesia (Studi Perbandingan Hukum Indonesia Dan Singapura).†AL-MANHAJ: Jurnal Hukum Dan Pranata Sosial Islam 5, no. 1 (June 2023): 827–36. https://doi.org/10.37680/almanhaj.v5i1.2714.
Harahap, Berry A., Pakasa Bary Idham, Anggita Cinditya M. Kusuma, and Robbi Nur Rakhman. “Perkembangan Financial Technology Terkait Central Bank Digital Currency (CBDC) Terhadap Transmisi Kebijakan Moneter Dan Makroekonomi.†Bank Indonesia 2 (2017): 1–80.
Hazevoets, C, and B Candelon. “… Learn from the FinTech Ecosystems of the United Kingdom and Singapore? A Cross-Country Comparison of National FinTech Infrastructures and Regulatory ….†Dial.Uclouvain.Be, n.d.
Herdian Ayu Andreana Beru Tarigan, and Darminto Hartono Paulus. “Protection Of Customers for Management of Digital Banking Services (Study at PT. BRI Unit Boyolali).†Hang Tuah Law Journal, April 2019, 170–79. https://doi.org/10.30649/htlj.v3i2.206.
Huda, K. “Fungsi Dan Tugas Otoritas Jasa Keuangan (OJK) Dalam Penyelesaian Sengketa Nasabah Perbankan Syariah Di Indonesia.†MALIA: Jurnal Ekonomi Islam 14, no. 1 (2022): 1–18. https://doi.org/10.35891/ml.v13i2.3267.
Hutagaol, Desmon Parulian. “Analisis Prinsip Mudharabah Perbankan Syariah Di Indonesia Dalam Perspektif Sejarah Hukum.†POSTULAT 1, no. 1 (March 2023): 8–15. https://doi.org/10.37010/postulat.v1i1.1139.
JENÃK, Ivo, Mark FLAMING, and Arisha SALMAN. Inclusive Digital Banking: Emerging Markets Case Studies. Consultative Group to Assist the Poor Working Paper. Washington, DC, 2020.
Keliat, Venia Utami, Andini Pratiwi Siregar, Suhaila Zulkifli, and Iin Purba. “Analisis Upaya Dan Peran Perlindungan Hukum Terhadap Kasus Peretasan Data Bank Syariah Indonesia.†Ilmu Hukum Prima (IHP) 6, no. 2 (October 2023): 182–90. https://doi.org/10.34012/jihp.v6i2.4251.
Krisnawati, Devi. “Peran Perkembangan Teknologi Digital Pada Strategi Pemasaran Dan Jalur Distribusi UMKM Di Indonesia.†Jurnal Manajemen Bisnis Krisnadwipayana 6, no. 1 (February 2018): 69–74. https://doi.org/10.35137/jmbk.v6i1.175.
Lee, Hsien Loong. “MAS at Forty: Past Contributions, Future Challenges.†In Resilience, Dynamism, Trust, 49–53. WORLD SCIENTIFIC, 2021. https://doi.org/10.1142/9789811250125_0006.
Lesle, Vanessa Le. The Future of Asian Finance. IMF ELibrary. INTERNATIONAL MONETARY FUND, 2015. https://doi.org/10.5089/9781498317191.071.
M, Jamaludin. Transformasi Digital Dalam Dunia Bisnis. Edited by Paput Tri Cahyono. Cendikia Mulia Mandiri. Batam, 2022.
MartÃnez, Aurelio Gurrea. “Disruptive Technologies and Digital Transformation of the Financial Services Industry in Singapore: Regulatory Framework and Challenges Ahead.†Singapore Management University, 2020, 1–18.
Muhammad, Rafli Fadilah, Rianda Dirkareshza, Sektor Keuangan, and U U Psk. “Legalitas Penerapan Central Bank Digital Currency ( CBDC ) Di Indonesia†6, no. 3 (2023): 913–30.
Mutiasari, Annisa Indah. “Perkembangan Industri Perbankan Di Era Digital.†JURNAL EKONOMI BISNIS DAN KEWIRAUSAHAAN 9, no. 2 (August 2020): 32–41. https://doi.org/10.47942/iab.v9i2.541.
Nugraha, Adithya. “Dampak Penerapan Sistem Digitalisasi Terhadap Nilai Perusahaan Perbankan.†Jurnal Manajemen Bisnis Dan Kewirausahaan 6, no. 2 (March 2022): 154. https://doi.org/10.24912/jmbk.v6i2.17841.
Nurdin, Aad Rusyad. “Kajian Peraturan Perlindungan Konsumen Di Sektor Perbankan.†Jurnal Hukum & Pembangunan 48, no. 2 (September 2018): 299. https://doi.org/10.21143/jhp.vol48.no2.1665.
Odebade, Adejoke T., and Elhadj Benkhelifa. “A Comparative Study of National Cyber Security Strategies of Ten Nations,†2023.
Putra, Reza Hendra, Euis Amalia, Dede Abdul Fatah, and Rahmad Syah Putra. “Analisis Terhadap Pembaharuan Hukum UMKM Di Indonesia.†AT-TASYRI’: JURNAL ILMIAH PRODI MUAMALAH 14, no. 1 (June 2022): 1–17. https://doi.org/10.47498/tasyri.v14i1.848.
Ramadhan, Haikal, and Aminah Suradi. “Perlindungan Hukum Terhadap Pengguna Uang Elektronik Dalam Melakukan Transaksi Ditinjau Dari Peraturan Bank Indonesia Nomor 16/8/PBI/2014 Tentang Uang Elektronik (E-Money).†Diponegoro Law Journal 5, no. 2 (2016): 1–18. https://doi.org/10.14710/dlj.2016.11295.
Rangaswamy, Easwaramoorthy, Wong Sin Yong, and Gemini V Joy. “The Evaluation of Challenges and Impact of Digitalisation on Consumers in Singapore.†International Journal of System Assurance Engineering and Management, 2023. https://doi.org/10.1007/s13198-023-02023-x.
Riazti Gitazia, Anggi, and Muhaimin Muhaimin. “Tinjauan Yuridis Bank Digital Dalam Perspektif Bank Indonesia.†Commerce Law 3, no. 1 (June 2023). https://doi.org/10.29303/commercelaw.v3i1.2807.
Rosa Indah, Ummukifdiyah Rohmatul Huda, and Anjar Puji Asmeru. “Perubahan Bank Di Indonesia Dari Bank Konvensial Menjadi Bank Digitalisasi Di Era Evaluasi Industri 4.0.†Student Research Journal 1, no. 3 (June 2023): 168–75. https://doi.org/10.55606/srjyappi.v1i3.328.
Sudirman, Lu, and Hari Sutra Disemadi. “Gig Economy: Unleashing the Potential of Digital Banking in Indonesia’s Employment Regulations.†Lentera Hukum 10, no. 2 (2023): 301–30. https://doi.org/10.19184/ejlh.v10i2.39688.
———. “Titik Lemah Industri Keuangan Fintech Di Indonesia: Kajian Perbandingan Hukum.†Jurnal Pembangunan Hukum Indonesia 4, no. 3 (September 2022): 471–93. https://doi.org/10.14710/jphi.v4i3.471-493.
Swetasoma, Cokorda Gede. “Proyeksi Pengaturan Neo Bank Dalam Masa Depan Perbankan Di Indonesia.†Jurnal Yustitia 16, no. 1 (2022): 88–103.
Syahril, Muh. Akbar Fhad. “Perlindungan Hukum Terhadap Nasabah Pengguna Kartu Automatic Teller Machine.†JUSTISI 7, no. 1 (January 2021): 52–65. https://doi.org/10.33506/js.v7i1.1159.
Tan, David. “Metode Penelitian Hukum: Mengupas Dan Mengulas Metodologi Dalam Menyelenggarakan Penelitian Hukum.†Nusantara: Jurnal Ilmu Pengetahuan Sosial 8, no. 8 (2021): 2463–78. https://doi.org/10.31604/jips.v8i8.2021.2463-2478.
Tan, W, and M M Hussy. “Perbandingan Kebijakan Pengawasan Perbankan Di Indonesia Dan Singapura.†JUSTITIA: Jurnal Ilmu Hukum Dan … 9, no. 1 (2022): 14–27.
Utama, Andrew Shandy. “Digitalisasi Produk Bank Konvensional Dan Bank Syariah Di Indonesia.†Jurnal Justisia : Jurnal Ilmu Hukum, Perundang-Undangan Dan Pranata Sosial 6, no. 2 (December 2021): 113. https://doi.org/10.22373/justisia.v6i2.11532.
Vergara, Ezekiel. “Singapore : Government Guarantee on Deposits.†Journal of Financial Crises 4, no. 2 (2022): 562–75.
Yuspin, Wardah, Anindhita Nurfaatin Sukirman, Arief Budiono, Jompon Pitaksantayothin, and Ata Fauzie. “Legal Reconstruction of Indonesian Banking Laws: Challenges and Opportunities for Digital Bank Regulation.†Varia Justicia 19, no. 1 (April 2023): 52–69. https://doi.org/10.31603/variajusticia.v19i1.8019.
Yusuf, Mahmud, Sumarno Sumarno, and Parman Komarudin. “Bank Digital Syariah Di Indonesia: Telaah Regulasi Dan Perlindungan Nasabah.†Al-Infaq: Jurnal Ekonomi Islam 13, no. 2 (2022): 271–85. https://doi.org/10.32507/ajei.v13i2.1654.
Downloads
Published
How to Cite
Issue
Section
License
.png)
Attribution: you must give appropriate credit, provide a link to the license, and indicate if changes were made. You may do so in any reasonable manner, but not in any way that suggests the licensor endorses you or your use.
ShareAlike If you remix, transform, or build upon the material, you must distribute your contributions under the same license as the original.
Legal Spirit allows readers to read, download, copy, distribute, print, search, or link to its articles' full texts and allows readers to use them for any other lawful purpose. The journal allows the author(s) to hold the copyright without restrictions. Finally, the journal allows the author(s) to retain publishing rights without restrictions
- Authors are allowed to archive their submitted article in an open access repository
- Authors are allowed to archive the final published article in an open access repository with an acknowledgment of its initial publication in this journal
========================================
Editor-in-Chief
Legal Spirit Journal.
Postgraduate Master of Law, Universitas Widya Gama, Malang, Indonesia.
