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Havna Havna; Syamira Balqis; Muhammad Fitrah Insani

Journal Economic Excellence Ibnu Sina 2025 STIKes Ibnu Sina Ajibarang

The role of financial institutions in providing access to capital through pawn services is crucial, even though customers face the risk of defaulting, which can lead to the auction of pledged collateral. This study aims to analyze the impact of the auction pricing of collateral at PT Pegadaian Syariah Banda Aceh on customer satisfaction. In this context, a deep understanding of the factors influencing auction pricing and its impact on customer satisfaction is essential to maintain a mutually beneficial relationship. The pricing of the auction is influenced by several factors, including market mechanisms, government regulations, and the company's internal policies. Customer dissatisfaction with auction prices that are perceived as unfair can damage the long-term relationship with the financial institution. Therefore, it is crucial to enhance transparency and fairness in the auction pricing process. Additionally, educating customers about their rights is necessary to provide them with a better understanding of the process and its implications. These measures will help strengthen customer trust and maintain the sustainability of a positive relationship between the financial institution and its customers.

Kartika Kartika; Eka Susilawati; Fithrotul Kalimah; Rizqi Fitrianti; Arfian Suryasuciramadhan

Jurnal Riset Rumpun Ilmu Sosial, Politik dan Humaniora 2025 Pusat Riset dan Inovasi Nasional

This study aims to analyze the role of communication in Customer Relationship Management (CRM) systems in creating customer satisfaction at PT Bangkit Jaya Teknik Indonesia, a business-to-business (B2B) cold storage installation service company. The research background lies in the increasing number of customer complaints during 2022–2024, mainly due to delayed responses, suboptimal after-sales service, and the absence of a centralized communication record system. This study employed a qualitative approach with a case study design. Data were collected through observation, semi-structured interviews with internal parties (marketing project, project manager, project PIC) and customers, as well as company archival documentation. The findings reveal that responsive, open, and two-way communication plays a significant role in enhancing customers’ sense of being valued, trust, and loyalty, which ultimately fosters satisfaction. However, communication barriers such as delays in after-sales service, gaps between customer expectations and company procedures, and the lack of a communication database remain major challenges. To overcome these, the company has initiated strategies including the development of a customer communication database, improved after-sales monitoring, and the adjustment of communication standard operating procedures to align with customer needs. These results reinforce the relevance of Relationship Management theory and the IDIC model, both of which emphasize communication as the core of CRM. Theoretically, this study contributes to organizational communication studies, while practically, it provides recommendations for B2B service companies to prioritize communication in CRM strategies to strengthen customer satisfaction and loyalty.

Khithotin Nisa; Karari Budi Prasasti; Taufik Akbar

Jurnal Manajemen Kreatif dan Inovasi 2025 International Forum of Researchers and Lecturers

This study aims to analyze the influence of service quality, price, and store atmosphere on consumer purchasing decisions at the Rocket Chicken branch in Ngronggo, Kediri City. These three variables were chosen because they are considered to play an important role in influencing consumer behavior, particularly in the context of the increasingly competitive fast food industry. Service quality includes aspects of friendliness, speed, and accuracy of service provided by employees to customers. Price is considered in terms of affordability, suitability with product quality, and competitiveness compared to competitors. Meanwhile, store atmosphere includes cleanliness, lighting, layout, comfort, and the overall ambiance perceived by consumers when they are in the outlet. The research method used is quantitative with a survey approach. Data was obtained through the distribution of closed questionnaires to 130 respondents who are active consumers of Rocket Chicken at the research location. The data analysis technique used is multiple linear regression with the help of the latest version of SPSS software, in order to determine the extent of the influence of each independent variable on the dependent variable, namely purchasing decisions.The research results indicate that service quality, price, and store atmosphere significantly influence consumer purchasing decisions, both partially and simultaneously. These findings provide important implications for Rocket Chicken's management to pay more attention to these factors in formulating marketing strategies and operational management, in order to enhance customer satisfaction, loyalty, and appeal in the future.

Mahyudin, Mahyudin; Ismunandar, Ismunandar; Haryanti, Intisari

Jurnal Ekonomi, Bisnis dan Manajemen (EBISMEN) 2025 FEB Universitas Maritim Semarang

This study aims to analyze the effect of member card usage on customer satisfaction at Bolly Department Store in Bima City. The research applied a quantitative approach with a survey method, where data were collected through questionnaires from 96 respondents selected using purposive sampling, specifically customers who owned a member card. The research instrument was tested using validity and reliability tests to ensure accuracy and consistency. Data were analyzed using simple linear regression, correlation coefficient, coefficient of determination, and t-test with the assistance of SPSS software. The findings indicate that the member card variable has a positive and significant effect on customer satisfaction. This is evidenced by the t-test result, where the t-value (1.894) exceeded the t-table value (1.661). However, the coefficient of determination (R²) was only 0.029, meaning that the member card explains merely 2.9% of the variation in customer satisfaction, while 97.1% is influenced by other factors. Therefore, although the member card improves customer satisfaction, its contribution is relatively small, suggesting that additional and more comprehensive marketing strategies are needed.

Dean Sakti Pratama; Siska Yuningsih

Jurnal Ilmu Komunikasi, Administrasi Publik dan Kebijakan Negara 2025 Asosiasi Peneliti Dan Pengajar Ilmu Sosial Indonesia

The fraud case that struck PT CFD Traveller Sukabumi shook the company’s reputation and threatened its relationship with customers, triggering a crisis. This study aims to examine the crisis management of Public Relations at PT CFD Traveller Sukabumi in dealing with the 2024 fraud case, as well as to identify its opportunities and challenges. The research employed a qualitative approach with a descriptive analysis method. Data were collected through in-depth interviews with key informants and individuals directly involved in crisis management. The study applied Coombs and Holladay’s theory, identifying the stages of pre-crisis, crisis, and post-crisis. At the pre-crisis stage, the company conducted risk analysis and careful planning, including communication procedures and employee training. At the crisis stage, the company implemented the plan quickly and in a coordinated manner through clear and open communication with the public and by maintaining good relations with the media to ensure accurate information. At the post-crisis stage, the company carried out comprehensive evaluations, updated its crisis management plan, engaged consumers in the recovery process, and launched campaigns emphasizing customer safety and satisfaction. The findings highlight that structured crisis communication strategies play a crucial role in maintaining public trust.

Hasanain Hamed Ahmed

Algoritma : Jurnal Matematika, Ilmu pengetahuan Alam, Kebumian dan Angkasa 2025 Asosiasi Riset Ilmu Matematika dan Sains Indonesia

This article presents a review study that proposes a blended model combining actual programming techniques with queuing theory to improve the performance and service quality of service systems. The main objective is to design a system that is capable of serving customers as efficiently as possible, using solutions derived from queuing theory to regulate and optimize customer flow, while applying accurate programming methods to ensure that the system operates correctly and in accordance with established standards. The study discusses how these two approaches complement each other and demonstrates that integrating them provides a balance between operational efficiency and the quality of services delivered. To illustrate the effectiveness of this hybrid model, a case study is examined to highlight the practical impact and real-world implications of the proposed framework. Both mathematical formulations and experimental analyses were employed to evaluate the model’s effectiveness. Findings indicate that this combined approach not only enhances system reliability but also provides measurable improvements in customer satisfaction and service outcomes. By offering a structured way to integrate queuing solutions with precise programming, this research contributes to the development of more sustainable and effective service management strategies. The model therefore has significant potential for broader application in industries that rely heavily on service delivery and customer flow optimization.

Firda Fiah Zaini; Syariefful Ikhwan; Ari Kristiana; Dumadi Dumadi; Roby Setiadi

International Journal of Management 2025 Asosiasi Riset Ilmu Manajemen Kewirausahaan dan Bisnis Indonesia

This study aims to examine the effect of green product, green price, green promotion, and green place on customer loyalty, with customer satisfaction as an intervening variable at Cafe Angle Temu in Slawi. The study uses a descriptive quantitative method with Structural Equation Modeling (SEM) analysis assisted by AMOS software. The total number of respondents was 437 customers of Cafe Corner Temu in Slawi. The results indicate that green promotion has a positive effect on customer satisfaction, with a CR value of 6.045 (CR ≥ 1.96) and p = 0.000 (p ≤ 0.05). In contrast, green product does not significantly affect customer satisfaction (CR = -0.505, p = 0.614), green price has no effect (CR = -0.233, p = 0.816), and green place is also not significant (CR = 1.908, p = 0.056). Regarding the path to customer loyalty, green place has a positive effect on customer loyalty (CR = 8.827, p = 0.000). Meanwhile, green product (CR = 0.002; p = 0.998), green price (CR = 1.528; p = 0.126), green promotion (CR = -1.518; p = 0.129), and customer satisfaction (CR = 0.426; p = 0.670) do not show a positive effect on customer loyalty.

Khairun Nisa; Fahrika Zahra; Natasya Biha; Munna Wirah; Thania Laura

Jurnal Visi Manajemen 2025 Sekolah Tinggi Ilmu Ekonomi Pariwisata Indonesia Semarang

This study looks into how customer happiness and taste affect Mie Pangsit Apilin's recurring business in Bireuen.  The investigation was carried out at Mie Pangsit Apilin in Bireuen using a quantitative approach.  Although the precise quantity is unknown, the population consists of all customers that bought Mie Pangsit Apilin goods in 2024.  One hundred people participated in the study.  The findings of the regression analysis show that hypothesis Ha1 is validated, suggesting that flavor influences repeat purchases to some extent.  This is demonstrated by a significance value of 0.005 < 0.05 and tcount > ttable at a 5% significance level (2.884 > 1.660). Similarly, tcount > ttable (4.180 > 1.660) and a significance level of 0.000 < 0.05 corroborate hypothesis Ha2, which demonstrates that part of the relationship between customer satisfaction and repeat purchases is positive.  Furthermore, hypothesis Ha3 is validated, showing that flavor and customer happiness work together to significantly influence repeat business at the same time.  While the coefficient of determination (R2) of 0.490 indicates that 49% of the variance in repeat purchases can be explained by taste and customer satisfaction, with the remaining 51% influenced by factors not examined in this study, the correlation coefficient (R) of 0.700 shows a strong relationship between the independent variables and repeat purchases.

Mohamad Zhidan Izzul Arobi; Ni Made Rastini

International Journal of Management Science and Business 2025 International Forum of Researchers and Lecturers

Repurchase intention is the consumer’s tendency to purchase a brand or take an action related to the intention of repurchasing a product that has been purchased in the past and to engage in repeated purchases in the future. This study aims to analyze the effect of Instagram social media attraction, service quality, and brand image on repurchase intention. The study used a sample of 100 PO. Gunung Harta customers who had used the company’s services at least twice within one year. The research was conducted at the head office of PO. Gunung Harta located in Denpasar City. The method applied in this study was a survey method using questionnaires and interviews, with inferential statistical analysis through multiple linear regression. The results indicate that Instagram social media attraction has a positive and significant effect on repurchase intention. Service quality has a positive and significant effect on repurchase intention. Brand image also has a positive and significant effect on repurchase intention. This study is expected to serve as a reference for future researchers. These factors are interconnected, and their collective influence on repurchase intention highlights the importance of a well-rounded marketing strategy that incorporates social media engagement, superior service quality, and a strong brand image. Future research could explore the impact of additional factors, such as customer loyalty programs or word-of-mouth, to gain deeper insights into consumer repurchase behavior.

Cerling Margareta Daeli; Agus Sriyanto

Jurnal Riset dan Inovasi Manajemen 2025 International Forum of Researchers and Lecturers

This study aims to examine the effect of product quality, promotion, and price perception on customer satisfaction at Mie Gacoan in Kutabumi, Tangerang Regency. The study population consists of consumers who have purchased Mie Gacoan, with a sample of 100 respondents selected using a non-probability sampling technique. Data was collected through questionnaires and analyzed using SPSS version 22. This study investigates the relationship between the independent variables (product quality, promotion, and price perception) and the dependent variable (customer satisfaction). The results of the analysis show that product quality, promotion, and price perception have a positive and significant effect on customer satisfaction at Mie Gacoan. High product quality, attractive promotions, and reasonable price perceptions contribute to increased customer satisfaction, which in turn can lead to greater loyalty and repurchase intentions. Based on these findings, it is recommended that Mie Gacoan management continuously improve their product quality and promotions, as well as maintain a favorable price perception among consumers. Enhancing these factors is expected to attract more customers and improve Mie Gacoan’s competitiveness in the market, particularly in the Kutabumi area and its surroundings. Therefore, this study provides valuable insights for marketing strategies and business development at Mie Gacoan, contributing to the growth and success of the brand in the competitive food service industry.

Alifah Dikha Arianto; Purwatiningsih

Jurnal Manajemen Bisnis Digital Terkini 2025 Asosiasi Riset Ilmu Manajemen Kewirausahaan dan Bisnis Indonesia

HokBen, previously known as Hoka Hoka Bento, is a fast-food restaurant offering Japanese-style menus and has successfully built a strong brand in Indonesia since 1985. This study aims to analyze and explain the influence of service quality, taste, and price on customer satisfaction at the HokBen Atrium restaurant. This research uses a descriptive quantitative approach with purposive sampling technique, involving 100 respondents who are customers visiting and purchasing products at the HokBen Atrium restaurant. Data were collected using scale range analysis and path analysis, conducted with the help of Microsoft Excel and SPSS version 23. The results of the study indicate that service quality, taste, and price have a significant simultaneous impact on customer satisfaction. The coefficient of determination shows that these three variables account for 78.0% of the influence on customer satisfaction at the HokBen Atrium restaurant. The most dominant factor influencing customer satisfaction is taste, with the highest t-value of 5.279. This suggests that taste is the most important factor affecting customer satisfaction at the HokBen Atrium restaurant. This study provides valuable insights for the management of HokBen to further improve service quality, taste, and price adjustments to maintain and increase customer satisfaction levels.

Kamila Faran Primastiti; Hima Barima; Heni Purwatini

Jurnal Bisnis Kreatif dan Inovatif 2025 Asosiasi Riset Ilmu Manajemen dan Bisnis Indonesia

The Regional Drinking Water Company (PDAM) Tirta Perwira Purbalingga is a regional institution that provides clean water services to 62,748 customers in Purbalingga Regency. The company’s performance is strongly influenced by the quality of its human resources. This study aims to analyze the effect of training, work climate, and job rotation on employee performance. The research used a quantitative approach with descriptive methods and data processing through SPSS version 25.0. The population consisted of 164 employees, with a sample of 62 respondents determined by the Slovin formula (10%) using stratified random sampling. The results showed that training and work climate had a positive and significant effect on employee performance, while job rotation did not have a significant effect. The coefficient of determination (R²) was 96.4%, meaning that the three variables together explained 96.4% of employee performance, while the remaining 3.6% was influenced by other factors not examined in this study. These findings indicate that systematic training and a supportive work climate are the dominant factors in improving performance, whereas job rotation requires better alignment with employee competencies to be effective. In conclusion, PDAM Tirta Perwira needs to strengthen its training programs, foster a conducive work atmosphere, and carefully evaluate job rotation policies. The results of this study are expected to contribute to the development of human resource management strategies and provide reference material for future research on organizational performance.

Enggal Fatwa Arifiana; Ustadus Sholihin; Nurali Agus Najibul Zamzam

Jurnal Penelitian Manajemen dan Inovasi Riset 2025 Asosiasi Riset Ilmu Manajemen Kewirausahaan dan Bisnis Indonesia

This study aims to determine the extent to which service quality, product variety, and price influence purchasing decisions at Perdana Stationery Kediri. A quantitative research method was employed, involving a total of 170 respondents who were selected using accidental sampling techniques. The primary data were gathered through a structured Likert-scale questionnaire, and then analyzed using multiple linear regression analysis to assess both the individual and simultaneous effects of the independent variables on purchasing decisions. The results of the partial tests showed that service quality has a positive and significant influence on purchasing decisions, with a t-value of 4.112 and a significance level of 0.000. Similarly, product variety demonstrated a significant positive effect (t = 3.905, p = 0.000), indicating that a wide selection of products can attract and retain more customers. Furthermore, price was also found to significantly influence purchasing decisions (t = 3.732, p = 0.000), suggesting that competitive and reasonable pricing remains an essential factor in consumers' buying behavior. The simultaneous test (F-test) showed that all three variables collectively have a significant impact on purchasing decisions, with an F-value of 45.672 and a significance value of 0.000. The model explains 45.1% of the variance in purchasing decisions, indicating a substantial level of influence. In conclusion, this study highlights that delivering high-quality service, offering diverse product options, and maintaining competitive pricing are key strategies for increasing customer purchasing decisions, improving market competitiveness, and fostering long-term customer loyalty.

Ayu Anisah; Noerma Kurnia Fajarwati; Meiby Zulfikar; Achmad Nashrudin Priatna; Putri Handayani

Jurnal Riset Rumpun Ilmu Pendidikan 2025 Lembaga Pengembangan Kinerja Dosen

The increasing number of coffee shops in the modern era, especially in developing cities such as Cilegon, has triggered increasingly competitive market conditions. Dream Coffee, as a newly established coffee shop, faces challenges in introducing its brand and attracting consumer attention amid the dominance of more established coffee shops. This study aims to examine the marketing communication strategies implemented by Dream Coffee and to identify the factors that support and hinder the process of building brand awareness among its consumers.This research employs a qualitative approach, focusing on gaining an in-depth understanding of the social phenomena occurring at Dream Coffee through descriptive data collection and direct interaction. Data were collected using structured interviews, direct observation, and documentation involving the owner, internal consultant, employees, and customers or consumers.The findings indicate that Dream Coffee utilizes various elements of Integrated Marketing Communication (IMC), including advertising, personal selling, word-of-mouth marketing, sales promotion, and events and experiences. The main supporting factors are consistent and targeted communication, internal team solidarity, and an appealing visual brand identity. Meanwhile, challenges include limited physical facilities and a market reach that has not yet been maximized. Overall, it can be concluded that Dream Coffee successfully implements effective marketing communication strategies not only digitally but also in building brand awareness and creating emotional engagement with consumers.

Septa Intiar; Ahmad Mansur; Umar Abdul Jabbar

An International Journal Tourism and Community Review 2025 Akademi Kesejahteraan Sosial Ibu Kartini Semarang

This study aims to analyze the effect of service quality on customer satisfaction in the retail sector. The background of this study stems from the importance of service quality in improving customer satisfaction, which ultimately influences loyalty and purchasing decisions. In an increasingly competitive retail environment, customer satisfaction plays a pivotal role in shaping consumer behavior. The method used in this study is a survey with a quantitative approach, where data is collected through questionnaires distributed to 150 customer respondents across several retail stores. The collected data were analyzed using regression analysis techniques to test the relationship between service quality and customer satisfaction variables. The findings of this study indicate that service quality significantly influences customer satisfaction, with service speed and staff friendliness identified as the most dominant factors. These results highlight the essential role of service quality in driving customer satisfaction and suggest that retail businesses should prioritize enhancing these aspects of service to meet customer expectations. The implication of these findings is the importance for retail companies to continually improve service quality as a strategic approach to retain customers and increase their satisfaction. This study contributes to the development of service theory, providing insights into the dynamics between service quality and customer satisfaction. Additionally, it offers practical recommendations for managers in the retail sector, emphasizing the need for a customer-focused approach to enhance competitive advantage in the market.

Audrey Finanta

Jurnal Visi Manajemen 2025 Sekolah Tinggi Ilmu Ekonomi Pariwisata Indonesia Semarang

TikTok has emerged as one of the most influential social media platforms, forming a global online community that penetrates diverse industries, including skincare. In Indonesia, skincare ranks among the most discussed topics on TikTok, which makes the platform a significant channel for influencing consumer behavior. This study aimed to analyze how TikTok content shapes consumer purchasing decisions for skincare products in Indonesia. A qualitative method was applied using in-depth interviews with 12 respondents representing young adult consumers familiar with skincare products. The findings highlight several insights. First, TikTok content positively influences the problem recognition stage, helping consumers become more aware of their skincare needs. Second, TikTok was identified as the second most used social media source for skincare-related information, though its credibility is perceived only at a moderate level. Third, the platform plays a moderate role in the evaluation of alternatives, where consumers compare and consider skincare products. However, nearly half of the respondents reported a gap between information obtained from TikTok and actual product performance, resulting in disappointment and reluctance to share their experiences on the platform. Moreover, respondents revealed clear preferences regarding content: (1) comparative content showcasing product performance, (2) detailed content discussing product features, and (3) content providing tangible proof of effectiveness. These findings emphasize the dual role of TikTok as both an influential information source and a platform with credibility challenges. The study contributes to a better understanding of digital consumer behavior in Indonesia’s skincare industry. It also provides practical recommendations for marketers to design more transparent, credible, and consumer-oriented TikTok marketing strategies.

Verda Jesikasari; Dewi Fadila; Marieska Lupikawaty

Jurnal Bisnis Kreatif dan Inovatif 2025 Asosiasi Riset Ilmu Manajemen dan Bisnis Indonesia

SQ Florist has been a flower board-making service provider since 2019. Currently, SQ Florist faces several obstacles, including ineffective social media promotions, limited staff training in digital marketing, and a suboptimal flower board production process. Furthermore, revenue recording is still manual, resulting in inefficient financial management. This study aims to expand market reach while improving service quality so that SQ Florist can compete better. The research method used is a qualitative approach with data collection techniques through observation, interviews, documentation, and literature studies. The analysis tool uses the Business Model Canvas, which describes nine business elements including customer segments, value propositions, channels, customer relationships, revenue streams, key resources, key activities, key partners, and cost structures. The analysis results show that SQ Florist's business model is generally quite good, although there are areas for improvement, particularly in building relationships with customers, digital marketing, and product innovation. The use of social media such as Instagram and TikTok must be optimized by presenting promotional content in the form of attractive photos and videos to make online marketing more effective. Additionally, improving supplier relationships and offering differentiated products, such as flower bouquets or cash, can increase customer value. To facilitate decision-making, it is recommended to improve financial record-keeping through the use of digital applications. This step is expected to enable SQ Florist to improve its business sustainability, open more market opportunities, and compete more competitively in the creative services industry. By improving each element of the BMC, it is hoped that business sustainability and competitiveness can be further enhanced.

Harlan Ari Yanto; Purwatiningsih Purwatiningsih

Jurnal Manajemen Kreatif dan Inovasi 2025 International Forum of Researchers and Lecturers

In today’s digital era, the demand for fast, stable, and affordable internet services continues to grow alongside the rapid advancement of communication technology. Biznet Network, as one of the leading internet service providers in North Jakarta, is required to deliver optimal service quality and competitive pricing in order to maintain customer loyalty. This study aims to examine and analyze the influence of service quality and price on customer loyalty toward Biznet Network. The research employed a descriptive quantitative method with a sample of 100 respondents selected using purposive sampling from the population of Biznet customers in North Jakarta. Data were collected through observation, interviews, and questionnaires using a Likert scale, and then analyzed using validity and reliability tests, classical assumption tests, multiple linear regression analysis, t-tests, F-tests, and the coefficient of determination (R²). The findings reveal that service quality (X₁) has a significant negative effect on customer loyalty (Y), with a calculated t-value of -2.270 greater than the critical t-table value of 1.984, indicating that a decline in service quality leads to decreased customer loyalty. Similarly, price (X₂) has a significant negative effect on customer loyalty, with a calculated t-value of -2.023 > 1.984, suggesting that unfavorable pricing perceptions reduce loyalty. The F-test results show that service quality and price simultaneously have a significant effect on customer loyalty, with an F-value of 7.686 > 3.09 and a significance level of 0.001 < 0.05. The R² value of 0.137, or 13.7%, indicates that these two variables explain customer loyalty, while the remaining 86.3% is influenced by other factors not examined in this study.

Melisa Melisa; Purwatiningsih Purwatiningsih

JUREKSI (Journal of Islamic Economics and Finance) 2025 STIKes Ibnu Sina Ajibarang

The quality of service towards customer satisfaction in the automotive industry of Toyota car transportation in Indonesia is growing rapidly from year to year, especially in big cities in Indonesia this car is very much needed. The market conditions that are becoming wider and market opportunities are everywhere, this results in increasingly open and tight competition competing to be able to meet the needs and demands required by customers, customer satisfaction is a level where the estimated product performance is in accordance with the buyer's expectations and one of the ways of PT Astra International Tbk - TSO Auto2000 Salemba Branch to maintain the quality of service to customers. Customer Satisfaction Index (CSI) is a method for measuring customer satisfaction based on attributes to be measured such as compliance, responsiveness, assurance, and empathy. The purpose of the study is to improve the performance of service, facilities and customer handling of PT Astra International Tbk - TSO Auto2000 Salemba Branch. The overall level of customer satisfaction is in the good category with a CSI value of around 97%, indicating that customers are satisfied with the services provided by PT Astra International Tbk - TSO Auto2000 Salemba Branch. The factors that most influence customer satisfaction are the quality of staff service, including intimidation and speed of service.

Ayu Margareth R. Sitinjak; Martono Anggusti; Roida Nababan

International Journal of Law, Crime and Justice 2025 Asosiasi Penelitian dan Pengajar Ilmu Hukum Indonesia

This study discusses legal protection for customer data security in internet banking systems in Indonesia, especially after the enactment of various related laws and regulations. The purpose of this study is to analyze how legal protection is applied and the legal measures that can be taken by customers if their data is not protected. The research method used is normative legal research with a qualitative approach, through data collection from secondary sources such as laws, legal literature, and official documents. The final findings show that although legal protection has improved with the existence of relevant laws, there are still challenges in its implementation. Customers have the right to file complaints and legal claims in the event of a data breach, which includes complaint procedures with banks and the Financial Services Authority. Compliance with regulations and the principles of legal justice are essential to maintaining public trust in the banking sector.