Eksplorasi Legalitas Kontrak Bank Digital Pada Produk NOW Savings Bank Neo Commerce
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Abstract
Transformation in the banking sector has given rise to digital banking by implementing the principles of efficiency, accessibility, and accountability, changing the paradigm of national banking. Digital banking offers a financial product that is based on savings but bears interest like a deposit, with the advantages offered including the Now Savings product from Bank Neo Commerce. The product is offered to customers using a digital contract because the banking ecosystem is digitally based, and this product uses a contract that is different from the savings contract in traditional banking, so it is necessary to study more deeply regarding the contract for the financial product. This study will focus on the legal aspects of the contract that examines the contract for digital bank financial products using the contract law applied in Indonesia. Normative legal research is used in this study using a statutory regulatory approach. Primary data comes from the clauses of the digital contract that are offered and are open access, which will later be analysed using classical contract theory. Based on the results of the analysis carried out, it was found that the Now Saving Bank Neo Commerce digital bank product is a digital financial innovation that protects the value of customer funds from inflation, in addition to providing a contract innovation that is different from traditional bank financial products, but the contract used is not the same as a deposit contract. This study recommends that stakeholders and digital bank organisers must have a reliable electronic system to protect customer funds in financial products that have been offered and the contracts used have met the elements mandated by laws and regulations.
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