Abstract
As a business, banking adheres to the concept of a trust business. When it comes to risk management, this is where the bank truly has to be at its best. As a result, banks like Bank Indonesia and OJK may rest easy knowing that they are in accordance with the law. However, banks are particularly concerned about reputation risk, which has an impact on customer trust and is crucial for banks to manage. As part of digital banking's infrastructure and banking technology, security and transaction simplicity must also be addressed. Keywords: Electronic Money, Regulation, Transaction, Legal System.
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