Perlindungan Hukum Terhadap Nasabah Bank Syariah Pasca Merger 3 Bank Syariah Menjadi Bank Syariah Indonesia

Abstract

This research is motivated by the merger of three Islamic Banks namely Bank Syariah Mandiri (BSM), Bank Negara Indonesia (BNI) Syariah, and Bank Rakyat Indonesia (BRI) Syariah into Bank Syariah Indonesia. where the merger has legal consequences for various groups, one of which is the community or Sharia Bank Customers, because the merger of the three Sharia Banks led to the integration of customer personal data which later became one Big Data considering that we have now entered the industrial revolution 4.0 where human needs depend on technology and data.  This has become one of the customer concerns related to the security and monitoring system when the customer data has been integrated into one. Based on this, legal protection is needed for the Customer so that the Customer does not feel aggrieving. The purpose of this study is to find a form of legal protection for Sharia Bank Customers after the merger of the three Sharia banks. Research that uses the normative legal research with the statute approach, and conceptual approach, results in the finding that the legal protection for Sharia Bank Customers as intended consists of 2 (two) forms, First, External Protection, namely legal protection made by the authorities through regulations in the form of laws and regulations; and Second, protection that comes from the Internal side of Bank Syariah Indonesia itself, especially protection related to the security of Customer Data.