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Reciprocal Data Portability to Foster Financial Services Competition in the Open Banking System Era

Yustisia · Vol. 13 No. 2 (2024) · hlm. 134–150

DOI
10.20961/yustisia.v13i2.75786
ISSN
2549-0907, 0852-0941
Terbit
2024-08-27
Penerbit
Faculty of Law, Universitas Sebelas Maret
Bahasa
eng
Lisensi
creativecommons.org/licenses/by/4.0

Abstrak

This article analyzes the feasibility of incorporating reciprocal financial data into Indonesia's open banking system by studying its implementation in the United Kingdom and other countries. The methodology employed is conceptual, statutory, and comparative legal, utilizing data gathered from secondary legal sources. The study discovered that reciprocal data finance could be a supplementary measure to enhance data portability rights. This approach enables banks to provide compensation for access to account data, utilizing the concept of "paying by data". Indonesia should contemplate the adoption of data reciprocity alongside the portability rights outlined in Article 13 of the PDP Law. Subsequently, it can be configured inside the SNAP settings. Before proceeding with this development, it is crucial to establish Open banking in Indonesia by effectively balancing the goals of personal data rights and market competition. This circumstance will encourage Bank Indonesia to collaborate with other regulatory bodies, such as competition authorities, data protection regulators, and sector regulators. Despite potential differences in their objectives, this collaboration is necessary as reciprocal data portability initiatives may involve multiple regulatory domains.

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34 penulis · 74 tautan kepenulisan bersama · 28 lintas organisasi

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  • Sebelas Maret University
  • Jenderal Soedirman University
  • Universiti Utara Malaysia
  • Universidade de Díli
  • Universitas Bangun Nusantara
  • International Islamic University Malaysia
  • IMC University of Applied Sciences Krems
  • Organisasi lain
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  • Organisasi berbeda
  • Organisasi sama
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  • 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
Pranoto PranotoSebelas Maret University2
Itok Dwi KurniawanSebelas Maret University2
Imtiyaz Wizni AufaInternational Islamic University Malaysia2
Mellisa TowadiState University of Gorontalo2
Anis H. BajrektarevićIMC University of Applied Sciences Krems2
Bambang SantosoSebelas Maret University1
Dara Pustika SukmaSebelas Maret University1
Heri IndrajatSebelas Maret University1
Acacio FernandesUniversidade de Díli1
Sahat Poltak SiallaganSebelas Maret University1
Arief SuryonoSebelas Maret University1
Rani HendrianaJenderal Soedirman University1
Lintang Ario PambudiJenderal Soedirman University1
Weda KupitaJenderal Soedirman University1
Moch Syafrudin Dwisapto LaxamanahadyAfiliasi tidak diketahui1
Sunny Ummul FirdausSebelas Maret University1
Drifarrosa Aisy Aufanuha MachfudzSebelas Maret University1
Tedi SudrajatJenderal Soedirman University1
Nurani Ajeng Tri UtamiJenderal Soedirman University1
Setya WahyudiJenderal Soedirman University1
Pranoto PranotoAfiliasi tidak diketahui1
Anugrah Muhtarom PratamaSebelas Maret University1
Isharyanto IsharyantoSebelas Maret University1
Siti FatimahUniversitas Bangun Nusantara1
Bambang WaluyoAfiliasi tidak diketahui1
R. Narendra JatnaAfiliasi tidak diketahui1
Pujiyono PujiyonoDiponegoro University1
Triyanto TriyantoState University of Semarang1

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) https://jurnal.uns.ac.id/yustisia/oai, pertama di-harvest 10 Nov 2026, terakhir terlihat 10 Nov 2026.
Metadata asli (oai_dc) 
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	<dc:title xml:lang="en-US">Reciprocal Data Portability to Foster Financial Services Competition in the Open Banking System Era</dc:title>
	<dc:creator>Wiwoho, Jamal</dc:creator>
	<dc:creator>Pati, Umi Khaerah</dc:creator>
	<dc:creator>Pratama, Anugrah Muhtarom</dc:creator>
	<dc:subject xml:lang="en-US">Open Banking; Reciprocal ; SNAP; Right To Data Portability</dc:subject>
	<dc:description xml:lang="en-US">This article analyzes the feasibility of incorporating reciprocal financial data into Indonesia's open banking system by studying its implementation in the United Kingdom and other countries. The methodology employed is conceptual, statutory, and comparative legal, utilizing data gathered from secondary legal sources. The study discovered that reciprocal data finance could be a supplementary measure to enhance data portability rights. This approach enables banks to provide compensation for access to account data, utilizing the concept of "paying by data". Indonesia should contemplate the adoption of data reciprocity alongside the portability rights outlined in Article 13 of the PDP Law. Subsequently, it can be configured inside the SNAP settings. Before proceeding with this development, it is crucial to establish Open banking in Indonesia by effectively balancing the goals of personal data rights and market competition. This circumstance will encourage Bank Indonesia to collaborate with other regulatory bodies, such as competition authorities, data protection regulators, and sector regulators. Despite potential differences in their objectives, this collaboration is necessary as reciprocal data portability initiatives may involve multiple regulatory domains.</dc:description>
	<dc:publisher xml:lang="en-US">Faculty of Law, Universitas Sebelas Maret</dc:publisher>
	<dc:contributor xml:lang="en-US"></dc:contributor>
	<dc:date>2024-08-27</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>
	<dc:format>application/pdf</dc:format>
	<dc:identifier>https://jurnal.uns.ac.id/yustisia/article/view/75786</dc:identifier>
	<dc:identifier>10.20961/yustisia.v13i2.75786</dc:identifier>
	<dc:source xml:lang="en-US">Yustisia; Vol 13, No 2: August 2024; 134-150</dc:source>
	<dc:source>2549-0907</dc:source>
	<dc:source>0852-0941</dc:source>
	<dc:language>eng</dc:language>
	<dc:relation>https://jurnal.uns.ac.id/yustisia/article/view/75786/pdf</dc:relation>
	<dc:rights xml:lang="en-US">Copyright (c) 2024 Jamal Wiwoho, Umi Khaerah Pati, Anugrah Muhtarom Pratama</dc:rights>
	<dc:rights xml:lang="en-US">http://creativecommons.org/licenses/by/4.0</dc:rights>
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