Problematika Regulasi Lembaga Penjamin Simpanan Dalam Program Penjaminan Simpanan Nasabah Bank Digital

Abstract

LPS, which functions to guarantee bank customer deposits, often faces various challenges, especially with the existence of digital banks. This research discusses two matters. First, what challenges will the digital bank face in relation to the LPS guarantee program. Second, efforts can be made to answer these challenges. This is a type of normative research using a statutory research approach. The research process carried out by the author resulted in an answer that the current LPS program and regulations have not been able to accommodate the legal certainty of deposit guarantees for digital bank customers, including competition in digital bank interest rates exceeding the LPS guarantee interest, regulations that have not fully accommodated the needs of digital banks and the risk of attacks in cybercrime. This legal uncertainty will certainly pose quite a big risk considering that the rapid growth of digital banks is currently not matched by the certainty of obtaining deposit guarantees. Referring to the research results, the author suggests that LPS create deposit guarantee claim regulations that are not only suitable for traditional banks, but also for digital banks. Such as the legality of proof of electronic savings, digital bank compliance in providing interest to customers and other policies that can be made by LPS and OJK as well as forming regulations regarding the use of AI in the banking and financial sector.