The Problem of Legal Instruments in Overcoming Burglary Cybercrime against Customer Bank Accounts in Indonesia

Abstract

This research discussed the relevance of legal instruments, particularly banking and electronic
information and transaction (ITE) laws, in tackling the crime of consumer bank account
burglary in Indonesia. Unfortunately, there is inadequate harmonization between these two
laws in overcoming account burglaries, as their provisions are yet to sufficiently regulate this
form of fraud. The scope of banking laws is limited to cases involving bank workers as
offenders, while ITE is more extensive. Hence, a revision of the banking law is necessary to
ensure harmonization with the provisions of the ITE law in Indonesia.