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Costumer Explicit Consent Under Indonesian Open Banking Regulations

Jambura Law Review · Vol. UME No. 2 (2022) · hlm. 176–194

DOI
10.33756/jlr.v4i2.15377
ISSN
2656-0461, 2654-9255
Terbit
2022-07-30
Penerbit
Universitas Negeri Gorontalo
Bahasa
eng
Lisensi
creativecommons.org/licenses/by-sa/4.0

Abstrak

The implementation of GDPR and PSD2 in the EU as well as the PSD2 alignment with GDPR, encourage central banks in various countries including Indonesia to immediately implement an open banking system that also prioritizes privacy data protection. The PDP bill principle of explicit consent must be applied in open banking financial transactions that in Indonesia as stated in the National Standard Open API Payment (SNAP) 2021 (a Technical Standards and Governance Guideline). However, there are some fundamental differences regulated in PSD2 when compared to SNAP which will hinder Indonesia's adequate GDPR. This research is normative research with statutory approach and comparative approach. The results showed that there are some fundamental differences between PSD2 and SNAP, including the parties involved, data portability and the concept of re-consent or re-confirmation which are not regulated in SNAP but regulated in PSD2, for the concept of sensitive data payment, neither SNAP nor PSD2 provide the specific concept, both define it broadly.

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  • Sebelas Maret University
  • State University of Gorontalo
  • Jenderal Soedirman University
  • Sriwijaya University
  • Universitas Yapis Papua
  • IMC University of Applied Sciences Krems
  • Universitas Gadjah Mada
  • Organisasi lain
  • Afiliasi tidak diketahui
  • Organisasi berbeda
  • Organisasi sama
  • Afiliasi tidak diketahui
  • Garis lebih tebal = lebih banyak artikel bersama · lingkaran lebih besar = lebih banyak artikel
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Rekan penulisOrganisasiArtikel bersama
Kukuh TejomurtiSebelas Maret University5
Pujiyono PujiyonoSebelas Maret University3
Mohamad Hanapi MohamadUniversiti Utara Malaysia3
Lisnawaty Wadju BaduState University of Gorontalo3
Agustinus SupriyantoUniversitas Gadjah Mada2
Pranoto PranotoSebelas Maret University2
Zamroni AbdussamadState University of Gorontalo2
Waode MustikaState University of Gorontalo2
Imtiyaz Wizni AufaInternational Islamic University Malaysia2
Bambang SantosoSebelas Maret University1
Itok Dwi KurniawanSebelas Maret University1
Dara Pustika SukmaSebelas Maret University1
Heri IndrajatSebelas Maret University1
Julius T. MandjoState University of Gorontalo1
Anna Sergeevna BugaevaAfiliasi tidak diketahui1
Iza Rumesten RSSriwijaya University1
Firman MuntaqoSriwijaya University1
Saut Parulian PanjaitanSriwijaya University1
Rani HendrianaJenderal Soedirman University1
Lintang Ario PambudiJenderal Soedirman University1
Weda KupitaJenderal Soedirman University1
Noval Sufriyanto TalaniState University of Gorontalo1
Ana V. ČovićInstitute of Comparative Law1
Mutia Cherawaty ThalibState University of Gorontalo1
Tedi SudrajatJenderal Soedirman University1
Nurani Ajeng Tri UtamiJenderal Soedirman University1
Setya WahyudiJenderal Soedirman University1
Emmy LatifahSebelas Maret University1
Moch Najib ImanullahSebelas Maret University1
Pranoto PranotoAfiliasi tidak diketahui1
Anugrah Muhtarom PratamaSebelas Maret University1
Liani SariUniversitas Yapis Papua1
Pham Thanh NgaFPT University1
Suwito SuwitoUniversitas Yapis Papua1
Sardjana Orba ManullangUniversitas Krisnadwipayana1
Nur Mohamad KasimState University of Gorontalo1

Afiliasi berasal dari OpenAlex; metadata OAI-PMH jurnal tidak memuatnya. Penulis tanpa ID OpenAlex dicocokkan berdasarkan nama, sehingga dua orang bisa tergabung atau satu orang bisa terpisah.

Sumber metadata: OAI-PMH (metadata jurnal) http://ejurnal.ung.ac.id/index.php/jalrev/oai, pertama di-harvest 9 Nov 2026, terakhir terlihat 9 Nov 2026.
Metadata asli (oai_dc) 
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	<dc:title xml:lang="en-US">Costumer Explicit Consent Under Indonesian Open Banking Regulations</dc:title>
	<dc:creator>Bajrektarevic, Anis H.</dc:creator>
	<dc:creator>Pati, Umi Khaerah</dc:creator>
	<dc:creator>Towadi, Mellisa</dc:creator>
	<dc:creator>Pratama, Anugrah Muhtarom</dc:creator>
	<dc:subject xml:lang="en-US">Open Banking; Explicit concent; Data protection</dc:subject>
	<dc:description xml:lang="en-US">The implementation of GDPR and PSD2 in the EU as well as the PSD2 alignment with GDPR, encourage central banks in various countries including Indonesia to immediately implement an open banking system that also prioritizes privacy data protection. The PDP bill principle of explicit consent must be applied in open banking financial transactions that in Indonesia as stated in the National Standard Open API Payment (SNAP) 2021 (a Technical Standards and Governance Guideline). However, there are some fundamental differences regulated in PSD2 when compared to SNAP which will hinder Indonesia's adequate GDPR. This research is normative research with statutory approach and comparative approach. The results showed that there are some fundamental differences between PSD2 and SNAP, including the parties involved, data portability and the concept of re-consent or re-confirmation which are not regulated in SNAP but regulated in PSD2, for the concept of sensitive data payment, neither SNAP nor PSD2 provide the specific concept, both define it broadly.</dc:description>
	<dc:publisher xml:lang="en-US">Universitas Negeri Gorontalo</dc:publisher>
	<dc:contributor xml:lang="en-US"></dc:contributor>
	<dc:date>2022-07-30</dc:date>
	<dc:type>info:eu-repo/semantics/article</dc:type>
	<dc:type>info:eu-repo/semantics/publishedVersion</dc:type>
	<dc:type xml:lang="en-US"></dc:type>
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	<dc:identifier>https://ejurnal.ung.ac.id/index.php/jalrev/article/view/15377</dc:identifier>
	<dc:identifier>10.33756/jlr.v4i2.15377</dc:identifier>
	<dc:source xml:lang="en-US">Jambura Law Review; VOLUME 4 NO. 2 JULY 2022; 176-194</dc:source>
	<dc:source>2656-0461</dc:source>
	<dc:source>2654-9255</dc:source>
	<dc:source>10.33756/jlr.v4i2</dc:source>
	<dc:language>eng</dc:language>
	<dc:relation>https://ejurnal.ung.ac.id/index.php/jalrev/article/view/15377/4861</dc:relation>
	<dc:rights xml:lang="en-US">Copyright (c) 2022 Bajrektarevic, Anis. H., Pati, Umi Khaerah., Towadi, Mellisa.,  Pratama, Anugrah Muhtarom</dc:rights>
	<dc:rights xml:lang="en-US">https://creativecommons.org/licenses/by-sa/4.0</dc:rights>
</oai_dc:dc>