Perbandingan Perlindungan Konsumen Aplikasi Open Banking di Indonesia dan Malaysia

Authors

  • Gessica Aulya Rahmy Dias Universitas Sebelas Maret
  • Purwono Sungkowo Raharjo Universitas Sebelas Maret
  • Sapto Hermawan Universitas Sebelas Maret

DOI:

https://doi.org/10.62383/jembatan.v2i1.1321

Keywords:

Application, Consumer Protection, Open Banking

Abstract

This research aims to find out how the relevant regulations and governments in Indonesia and Malaysia work to protect consumers of open banking applications. The type of research used is normative legal research, prescriptive and applied in nature using deductive syllogism reasoning method analysis. The approach used is a statutory approach (statue approach) and comparative approach with primary legal materials including various types of laws and regulations regarding consumer protection in Indonesia and Malaysia, as well as secondary legal materials including books, journal articles, and official documents. The results show that there are differences in consumer protection in Indonesia and Malaysia which are analyzed through 4 (four) indicators, namely consumer protection regulations, consumer protection law enforcement agencies, consumer dispute resolution mechanisms, and open banking supervisory institutions.

References

Buku

Dewi, E. W. (2015). Hukum perlindungan konsumen. Yogyakarta: Graha Ilmu.

Marzuki, P. M. (2021). Penelitian hukum: Edisi revisi. Jakarta: Penerbit Kencana.

Miru, A., & Yodo, S. (2004). Hukum perlindungan konsumen. Jakarta: RajaGrafindo Persada.

Safwani, I., & Madihah. (2019). Consumer tribunal as a dispute resolution process in Malaysia.

Artikel Jurnal

Amalia, C. (2022). Legal aspect of personal data protection and consumer protection in the open API payment. Journal of Central Banking Law and Institutions, 1(2).

Amin, N., & Nor, R. M. (2013). Online shopping in Malaysia: Legal protection for e-consumers. European Journal of Business and Management, 4(24).

Ghazali, N. H. (2018). Awareness and perception analysis of small medium enterprise and start-up towards FinTech instruments: Crowdfunding and peer-to-peer lending in Malaysia. International Journal of Finance and Banking Research, 4(1).

Muskibah. (2010). Analisis mengenai cara penyelesaian sengketa konsumen. Jurnal Ilmu Hukum, 2(4).

Nathania, S. A., Abubakar, L., & Handayani, T. (2023). Implikasi hukum pemanfaatan open application programming interface terhadap layanan perbankan dikaitkan dengan ketentuan perbankan digital. Jurnal Poros Hukum Padjajaran, 4(2).

Noviyanti, A., & Erawati, T. (2021). Pengaruh persepsi kemudahan, kepercayaan dan efektivitas terhadap minat menggunakan financial technology (Fintech) (Studi kasus: UMKM di Kabupaten Bantul). Jurnal Ilmiah Akuntansi dan Finansial Indonesia, 4(2).

Reddy, A., & Jambulingam, M. (2017). Online dispute resolution: A new approach for e-commerce disputes. [Journal Name], 13(4).

Riza, A. F., & Hafizi, R. (2019). Customers attitude toward Islamic mobile banking in Indonesia: Implementation of TAM. Asian Journal of Islamic Management (AJIM, 1(2).

Sabri, M. F. (2014). The development of consumer protection policies in Malaysia. International Journal of Business and Social Research, 4(6), 102.

Santoso, M. A., & Dinata, U. (2024). Analisis regulasi perlindungan konsumen dalam layanan Fintech di Indonesia. Andrew Law Journal, 3(1).

Sumber Internet

Bank Indonesia. (2024, September 28). Blueprint sistem pembayaran Indonesia 2025. Retrieved from https://www.bi.go.id/id/fungsi-utama/sistem-pembayaran/blueprint-2025/default.aspx

FOMCA. (2024, Desember 12). [Judul Halaman atau Artikel jika ada]. Retrieved from https://fomca.org.my

Generis Online. (2024, Desember 12). Understanding consumer rights in Malaysia: Protections, remedies, and agencies. Retrieved from https://generisonline.com/understanding-consumer-rights-in-malaysia-protections-remedies-and-agencies/

NCCC. (2024, Desember 13). Fungsi NCCC. Retrieved from https://nccc.org.my/v2/index.php/mengenai-nccc/fungsi-nccc

Downloads

Published

2025-02-06

How to Cite

Gessica Aulya Rahmy Dias, Purwono Sungkowo Raharjo, & Sapto Hermawan. (2025). Perbandingan Perlindungan Konsumen Aplikasi Open Banking di Indonesia dan Malaysia. Jembatan Hukum : Kajian Ilmu Hukum, Sosial Dan Administrasi Negara, 2(1), 206–225. https://doi.org/10.62383/jembatan.v2i1.1321