Legal Protection of Banking Customers
Abstract
This discusses the legal protection for banking customers. As an important sector in the economy, banking plays a significant role in providing various financial services to the public. Therefore, legal protection for banking customers is crucial in maintaining trust and avoiding misuse. In this research, the author explains the key aspects of legal protection for banking customers, including customer rights, bank responsibilities, and dispute resolution mechanisms. The author also analyzes the development of legislation and regulations related to the protection of banking customers such as contract law, finance law, and consumer protection. The research method used is normative legal research using legislative and doctrinal approaches. The data obtained through literature review and documentation are analyzed qualitatively. The results of this research identify several challenges in maintaining legal protection for banking customers, such as weaknesses in regulations and law enforcement, inequality between banks and customers, and lack of awareness among customers regarding their rights. To enhance legal protection for banking customers, the author recommends expanding the scope of legal protection, increasing transparency and information provided to customers, strengthening sanctions for violations, and undertaking legal education efforts to raise awareness among customers. Additionally, the active role of regulators and banks' compliance with good corporate governance principles also play a crucial role in ensuring adequate protection for banking customers.
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