THE ROLE OF BANKING IN PREVENTION ONLINE GAMBLING CRIME

Abstract

This research aims to obtain data and information regarding the role of banking institutions in preventing criminal acts of online gambling as well as factors that become obstacles to implementing the role of banking institutions in preventing criminal acts of online gambling. In this research, the methods used are normative juridical research methods and empirical juridical research methods, supported by data collection techniques in the form of direct observation and interviews in the field in order to obtain valid and accountable data. The results of the research show that the implementation of the role of banking institutions in preventing criminal acts of online gambling has not been implemented according to the aims and objectives of implementing the know your customer principle and/or the customer due diligence principle, as a result of the lack of clarity in the legal regulations as regulated in the Law. -Law Number 10 of 1998 concerning Banking, as well as those regulated in the Financial Services Authority Regulation Number: 12/POJK.01/2017 concerning the Implementation of Anti-Money Laundering and Terrorism Financing Prevention Programs in the Financial Services Sector. Namely, the bank is only passive, and reports suspicious transactions on a request basis. Meanwhile, the factors that become obstacles are, firstly, the bank ratio factor, secondly, advances in technology and electronic transactions and thirdly, the regulation of the nominal amount of money that can be carried out by EDD as regulated in Article 15 of the Financial Services Authority Regulation Number: 12/POJK.01/2017.