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Know Your Customer (KYC) Model: A Legal Reform Strategy to Prevent Abuse of Financial Services in Child Sexual Exploitation Transactions

Journal of Law and Legal Reform · Vol. 6 No. 1 (2025) · hlm. 239–264

DOI
10.15294/jllr.v6i1.19651
ISSN
2715-0968, 2715-0941
Terbit
2025-03-13
Penerbit
Faculty of Law, Universitas Negeri Semarang, Indonesia
Bahasa
eng
Lisensi
creativecommons.org/licenses/by-nc-sa/4.0

Abstrak

KYC (Know Your Customer) is a process undertaken by financial institutions to identify and verify the identity of their customers. The aim is to prevent financial crimes such as money laundering, fraud and terrorist financing. This Know Your Customer (KYC) model can be used as a strategic framework for financial institutions to prevent misuse of financial services including child sexual exploitation transactions that are rampant. The model emphasizes rigorous customer identification, verification and continuous monitoring of transactions to detect suspicious activity. By carefully understanding customer financial behavior, financial institutions can identify anomalies that may indicate illicit activities, including those related to child exploitation. Globally, financial service providers including major banks such as HSBC, JPMorgan Chase, and Citigroup, as well as digital payment platforms such as PayPal and Stripe exemplify and can play a key role in preventing child sexual exploitation. This research uses normative legal research methods. The nature of this research is descriptive-prescriptive. The result of this research states that in the future, financial institutions can implement strict KYC (Know Your Customer) policies, monitor suspicious transactions, and cooperate with law enforcement agencies from various countries. This comprehensive approach not only helps combat child exploitation, but also improves global regulatory compliance, thus maintaining the integrity of the financial system. The implementation of the KYC model involves collaboration with law enforcement and utilizes advanced technology for efficient data analysis and customer monitoring. Ultimately, this model serves to protect vulnerable populations while upholding ethical standards within the financial sector.

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  • Diponegoro University
  • State University of Semarang
  • Universitas Islam Kadiri
  • Universitas Pembangunan Nasional Veteran Jakarta
  • University of Bengkulu
  • University of Palangka Raya
  • Universitas Trunodjoyo Madura
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Rekan penulisOrganisasiArtikel bersama
Kiki KristantoUniversity of Palangka Raya5
Aris HardinantoUniversitas Trunodjoyo Madura3
Ariesta Wibisono AndityaUniversity of Malaya3
Anis WidyawatiState University of Semarang3
Nahdiya SabrinaUniversitas Merdeka Malang2
Panca Sarjana PutraNorth Sumatra Islamic University2
Achmad CholidinUniversitas Muhammadiyah Jakarta2
Papontee TeeraphanThaksin University2
Firdaus ArifinUniversitas Pasundan2
Ridwan ArifinState University of Semarang2
Joice SorayaUniversitas Wisnuwardhana Malang1
Timotius Febry Cristian Wahyu SutrisnoUniversitas Islam Kadiri1
Trinas Dewi HariyanaUniversitas Islam Kadiri1
Ali Huristak Hartawan HasibuanUniversitas Islam Kadiri1
Benny SumardianaState University of Semarang1
Eka Nugraha PutraNUS Centre for Trusted Internet and Community1
Mahmud MulyadiUniversitas Sumatera Utara1
Mikhael FekaDiponegoro University1
Lestari SinagaAfiliasi tidak diketahui1
Iskandar IskandarAfiliasi tidak diketahui1
Nurhayati MardinTadulako University1
Kasmanto RinaldiIslamic University of Riau1
Try HardyanthiUniversity of Pecs1
Ninik ZakiyahDiponegoro University1
Muh. Afif MahfudDiponegoro University1
Edmon MakarimUniversity of Indonesia1
Beniharmoni HarefaUniversitas Pembangunan Nasional Veteran Jakarta1
Kayus Kayowuan LewolebaUniversitas Pembangunan Nasional Veteran Jakarta1
Dany Eka Saputraİstanbul Sabahattin Zaim Üniversitesi1
Waspiah WaspiahState University of Semarang1
Muhammad Iqbal BaiquniState University of Semarang1
Paramita PrananingtyasDiponegoro University1
Akhmad AkhmadCenderawasih University1
Nurul FibriantiState University of Semarang1
Ro’fah SetyowatiDiponegoro University1
Yuli RindyawatiACT Government1

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Sumber metadata: OAI-PMH (metadata jurnal) https://journal.unnes.ac.id/journals/jllr/oai, pertama di-harvest 6 Nov 2026, terakhir terlihat 8 Nov 2026.
Metadata asli (oai_dc) 
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	<dc:title xml:lang="en">Know Your Customer (KYC) Model: A Legal Reform Strategy to Prevent Abuse of Financial Services in Child Sexual Exploitation Transactions</dc:title>
	<dc:creator xml:lang="en">Zentoni</dc:creator>
	<dc:creator xml:lang="en">Santoso, Budi</dc:creator>
	<dc:creator xml:lang="en">Tobing, David M. L.</dc:creator>
	<dc:creator xml:lang="en">Fernando, Zico Junius</dc:creator>
	<dc:subject xml:lang="en">KYC</dc:subject>
	<dc:subject xml:lang="en">Financial Institutions</dc:subject>
	<dc:subject xml:lang="en">Child Sexual Exploitation</dc:subject>
	<dc:subject xml:lang="en">Transaction Monitoring</dc:subject>
	<dc:subject xml:lang="en">Suspicious Activities</dc:subject>
	<dc:description xml:lang="en">KYC (Know Your Customer) is a process undertaken by financial institutions to identify and verify the identity of their customers. The aim is to prevent financial crimes such as money laundering, fraud and terrorist financing. This Know Your Customer (KYC) model can be used as a strategic framework for financial institutions to prevent misuse of financial services including child sexual exploitation transactions that are rampant. The model emphasizes rigorous customer identification, verification and continuous monitoring of transactions to detect suspicious activity. By carefully understanding customer financial behavior, financial institutions can identify anomalies that may indicate illicit activities, including those related to child exploitation. Globally, financial service providers including major banks such as HSBC, JPMorgan Chase, and Citigroup, as well as digital payment platforms such as PayPal and Stripe exemplify and can play a key role in preventing child sexual exploitation. This research uses normative legal research methods. The nature of this research is descriptive-prescriptive. The result of this research states that in the future, financial institutions can implement strict KYC (Know Your Customer) policies, monitor suspicious transactions, and cooperate with law enforcement agencies from various countries. This comprehensive approach not only helps combat child exploitation, but also improves global regulatory compliance, thus maintaining the integrity of the financial system. The implementation of the KYC model involves collaboration with law enforcement and utilizes advanced technology for efficient data analysis and customer monitoring. Ultimately, this model serves to protect vulnerable populations while upholding ethical standards within the financial sector.</dc:description>
	<dc:publisher xml:lang="en">Faculty of Law, Universitas Negeri Semarang, Indonesia</dc:publisher>
	<dc:date>2025-03-13</dc:date>
	<dc:type>info:eu-repo/semantics/article</dc:type>
	<dc:type>info:eu-repo/semantics/publishedVersion</dc:type>
	<dc:format>application/pdf</dc:format>
	<dc:identifier>https://journal.unnes.ac.id/journals/jllr/article/view/19651</dc:identifier>
	<dc:identifier>10.15294/jllr.v6i1.19651</dc:identifier>
	<dc:source xml:lang="en">Journal of Law and Legal Reform; Vol. 6 No. 1 (2025): January, 2025; 239-264</dc:source>
	<dc:source>2715-0968</dc:source>
	<dc:source>2715-0941</dc:source>
	<dc:source>10.15294/jllr.v6i1</dc:source>
	<dc:language>eng</dc:language>
	<dc:relation>https://journal.unnes.ac.id/journals/jllr/article/view/19651/3173</dc:relation>
	<dc:rights xml:lang="en">Copyright (c) 2025 Zentoni, Budi Santoso, David M. L. Tobing, Zico Junius Fernando (Author)</dc:rights>
	<dc:rights xml:lang="en">https://creativecommons.org/licenses/by-nc-sa/4.0</dc:rights>
</oai_dc:dc>