ACTUALIZATION OF KNOW YOUR CUSTOMER PRINCIPLES BY THE BANK IN PROVIDING CREDIT CARD (CREDIT CARD) AGAINST CUSTOMERS
I Made Aditya Mantara Putra

Faculty Of Law
Warmadewa University
Denpasar-Bali, Indonesia

Abstract

Problems often arise in banking transactions, especially in relation to credit. As you know, in the current era of globalization, most people no longer use cash, but electronic (cashless) transactions. The process in free transactions is limited to the value part, which reads only numbers. When it comes to withdrawing money, there are also other options in development that are certainly more practical, namely credit card payment. A credit card is a card containing the identity of the customer that can be used to pay electronically. However, the problem is that the customer^s savings are not enough to pay with a credit card. Based on this, the problem related to how banks apply the principle of knowing the customer when issuing credit cards to their customers and what are the legal consequences of the customer^s negligence can be formulated. The type of research is normative legal research, which uses a statute and conceptual approach. The results of the study show that the implementation of the principle of knowing your customer is very important, because the character of the customer is different and the customers have a strong character, ability to repay money, valuable guarantees, strong capital and good financial. conditions As a result of the legal consequences of customer default, namely termination and/or cancellation and/or credit card billing without notice, all cardholder debts become due and payable immediately and simultaneously.

Keywords: Transaksi, Perbankan, Nasabah, Bank, Prinsip Mengenal Nasabah

Topic: Law on Investment