What question did this study set out to answer?

This research aims to evaluate the regulations surrounding digital banking in Indonesia after the issuance of POJK No. 12/POJK.03/2021.

Digital Banks in the Indonesian Banking System: A Post-Pojk No. 12/Pojk.03/2021 Study

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Normative juridical analysis shows gaps in data protection and cybersecurity in Indonesia's digital banking, suggesting better regulation is needed.

This research aims to evaluate the regulations surrounding digital banking in Indonesia after the issuance of POJK No. 12/POJK.03/2021.
Normative juridical method with legislative and conceptual approaches
Comparison with the EU's Digital Operational Resilience Act
Assessment of Technology Risk Management Guidelines in Singapore
POJK provides legitimacy but lacks comprehensive technical standards
Regulations are declarative regarding data protection
Absence of technical compliance indicators may lead to data protection irregularities

Palit et al. (2025) studied this question.

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Normative juridical analysis shows gaps in data protection and cybersecurity in Indonesia's digital banking, suggesting better regulation is needed.