Perlindungan Hukum Konsumen dari Penipuan M-Banking: Kajian Hukum Perbankan dan Strategi Pencegahan di Indonesia

The development of digital banking in Indonesia, especially mobile banking (M-Banking) services, has increased the efficiency of people's financial transactions. However, this convenience is accompanied by increasingly complex fraud risks, such as phishing, account hacking, and misuse of personal data. This research aims to analyze M-Banking fraud prevention strategies and the legal handling process for victims in Indonesia. The research method uses a normative approach by reviewing legal regulations, case studies, and recommendations from banking and cybersecurity authorities. Perkembangan perbankan digital di Indonesia, khususnya layanan mobile banking (M-Banking), telah meningkatkan efisiensi transaksi keuangan masyarakat. Namun, kemudahan ini diiringi risiko penipuan yang semakin kompleks, seperti phishing, peretasan akun, dan penyalahgunaan data pribadi. Penelitian ini bertujuan untuk menganalisis strategi pencegahan penipuan M-Banking dan proses penanganan hukum bagi korban di Indonesia. Metode penelitian menggunakan pendekatan normatif dengan mengkaji regulasi hukum, studi kasus, serta rekomendasi dari otoritas perbankan dan keamanan siber.