KEJAHATAN SKIMMING SEBAGAI SALAH SATU BENTUK CYBER CRIME

Abstrak

Abstract

               The development of technology is such that in its development also creates a gap for perpetrators of crime in using more sophisticated methods of crime. The development of information technology has led to evolution leading to digital banking services. This technology development not only provides convenience for customers but also coupled with negative aspects, namely creating a new mode in the case of theft of customer funds using the skimming method. Legal arrangements for crime of skimming, namely: based on the Criminal Code, skimming criminals are charged with Article 363 of the Criminal Code. Based on the ITE Law, skimming criminals are charged with Article 30 paragraph 1, paragraph 2 and paragraph 3 of the ITE Law, article 32 of the ITE Law. Based on the Law on laundering money, skimming crimes perpetrators are charged with Article 2, Article 3, Article 4, Article 5 of the TPPU Law.

Keywords: Cyber crime, skimming, banking

Abstrak

Perkembangan teknologi berjalan sedemikian rupa sehingga dalam perkembangannya juga menimbulkan celah bagi pelaku kejahatan dalam menggunakan metode kejahatan yang lebih canggih juga. Perkembangan teknologi informasi menimbulkan evolusi yang mengarah kepada layanan perbankan digital . Perkembaangan teknologi ini tidak hanya memberikan kemudahan bagi nasabah tapi juga dibarengi dengan aspek negatif yaitu menimbulkan modus baru dalam kasus pencurian dana nasabah  dengan metode skimming. Pengaturan hukum kejahatan skimming, yaitu : berdasarkan KUHP pelaku kejahatan skimming dijerat dengan Pasal 363 KUHP. Berdasarkan UU ITE pelaku kejahatan skimming dijerat dengan pasal 30 ayat 1, ayat 2 dan ayat 3 UU ITE, pasal 32 UU ITE. Berdasarkan UU Tindak Pidana Pencucian Uang pelaku kejahatan skimming dijerat dengan pasal 2, pasal 3, pasal 4, pasal 5 UU TPPU.

Kata Kunci : Cyber crime, skimming, perbankan