RESPONSIBILITIES OF BANKS TO LOSS OF CUSTOMERS USING MOBILE BANKING

Abstract

This article aims to determine the Bank's responsibility towards customers who experience losses associated with the use of mobile banking. This article belongs to the type of empirical and descriptive legal research. Customer losses can be caused by transaction failures, payment failures, and interference from third parties. Responsibility arises from an engagement, whether it comes from a regulation or from an agreement. With the agreement made, rights and obligations arise. These rights and obligations are closely related to the issue of responsibility. No exception, the Bank's responsibility is also based on applicable regulations and customer approval given from the Bank to the customer when making mobile banking services. In accountability to customers, Bank specifically regulates how Bank provides its responsibility to customers or third parties in terms and conditions of mobile banking services. However, banks also must give responsibility to customers who experience losses related to mobile banking based on applicable regulations.