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Abstrak :
[ABSTRAK
Gerakan Nasional Non Tunai (GNNT) merupakan gerakan yang mendorong dan meningkatkan penggunaan sarana pembayaran non tunai. Salah satu cara industri perbankan mendukung program GNNT adalah dengan cara menempatkan mesin EDC pada toko atau gerai di mall untuk mempermudah masyarakat dalam melakukan transaksi pembayaran non tunai. Permasalahan yang timbul pada implementasi jaringan komunikasi mesin EDC adalah biaya transaksi yang dirasa cukup tinggi dengan menggunakan teknologi General Packet Radio System (GRPS) yang dipakai oleh operator telekomunikasi. Dengan adanya pilihan teknologi koneksi mesin EDC selain menggunakan GPRS, yaitu dengan teknologi wireline (fiber optic) atau wireless (radio link) membuat biaya transaksi komunikasi mesin EDC dapat diturunkan secara signifikan sehingga biaya transaksinya menjadi lebih rendah daripada menggunakan teknologi yang digunakan saat ini (GPRS). Pemilihan penggunaan teknologi diatas harus disertai dengan kebijakan investasi dan operasi yang berbeda, untuk itu pada tesis ini telah dibuatkan sebuah pemodelannya sehingga memudahkan para pemimpin untuk mengambil keputusan. Pemodelan tersebut terdiri dari lima pilihan skenario yang dapat digunakan dalam kondisi jumlah mesin EDC dan payback periode yang berbeda.

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ABSTRACT
National Movement of Non-Cash (GNNT) is a movement that encourages and increases the non-cash payment. One way the industry supports GNNT program is a way to put Electronic Data Capture (EDC) machine at the store or stores in the mall to facilitate the public in non-cash payment transactions. The problems that arise in the implementation of the communication network EDC machine is transaction costs are considered high by using technology General Packet Radio System (GRPS) which is used by telecom operators. With the choice of connection technology EDC machine in addition to using GPRS, ie with technology of wireline (fiber optic) or wireless (radio link) making communication EDC transaction costs can be significantly reduced so that the cost of the transaction to be lower than using a technology that is used today (GPRS ). Selection of use of the above technologies should be accompanied by investment policy and different operations, for it was on this thesis has made a modeling making it easier for leaders to take a decision. The modeling scenario consisted of five options that can be used in a number of EDC conditions and payback periods are different.;National Movement of Non-Cash (GNNT) is a movement that encourages and increases the non-cash payment. One way the industry supports GNNT program is a way to put Electronic Data Capture (EDC) machine at the store or stores in the mall to facilitate the public in non-cash payment transactions. The problems that arise in the implementation of the communication network EDC machine is transaction costs are considered high by using technology General Packet Radio System (GRPS) which is used by telecom operators. With the choice of connection technology EDC machine in addition to using GPRS, ie with technology of wireline (fiber optic) or wireless (radio link) making communication EDC transaction costs can be significantly reduced so that the cost of the transaction to be lower than using a technology that is used today (GPRS ). Selection of use of the above technologies should be accompanied by investment policy and different operations, for it was on this thesis has made a modeling making it easier for leaders to take a decision. The modeling scenario consisted of five options that can be used in a number of EDC conditions and payback periods are different.;National Movement of Non-Cash (GNNT) is a movement that encourages and increases the non-cash payment. One way the industry supports GNNT program is a way to put Electronic Data Capture (EDC) machine at the store or stores in the mall to facilitate the public in non-cash payment transactions. The problems that arise in the implementation of the communication network EDC machine is transaction costs are considered high by using technology General Packet Radio System (GRPS) which is used by telecom operators. With the choice of connection technology EDC machine in addition to using GPRS, ie with technology of wireline (fiber optic) or wireless (radio link) making communication EDC transaction costs can be significantly reduced so that the cost of the transaction to be lower than using a technology that is used today (GPRS ). Selection of use of the above technologies should be accompanied by investment policy and different operations, for it was on this thesis has made a modeling making it easier for leaders to take a decision. The modeling scenario consisted of five options that can be used in a number of EDC conditions and payback periods are different.;National Movement of Non-Cash (GNNT) is a movement that encourages and increases the non-cash payment. One way the industry supports GNNT program is a way to put Electronic Data Capture (EDC) machine at the store or stores in the mall to facilitate the public in non-cash payment transactions. The problems that arise in the implementation of the communication network EDC machine is transaction costs are considered high by using technology General Packet Radio System (GRPS) which is used by telecom operators. With the choice of connection technology EDC machine in addition to using GPRS, ie with technology of wireline (fiber optic) or wireless (radio link) making communication EDC transaction costs can be significantly reduced so that the cost of the transaction to be lower than using a technology that is used today (GPRS ). Selection of use of the above technologies should be accompanied by investment policy and different operations, for it was on this thesis has made a modeling making it easier for leaders to take a decision. The modeling scenario consisted of five options that can be used in a number of EDC conditions and payback periods are different., National Movement of Non-Cash (GNNT) is a movement that encourages and increases the non-cash payment. One way the industry supports GNNT program is a way to put Electronic Data Capture (EDC) machine at the store or stores in the mall to facilitate the public in non-cash payment transactions. The problems that arise in the implementation of the communication network EDC machine is transaction costs are considered high by using technology General Packet Radio System (GRPS) which is used by telecom operators. With the choice of connection technology EDC machine in addition to using GPRS, ie with technology of wireline (fiber optic) or wireless (radio link) making communication EDC transaction costs can be significantly reduced so that the cost of the transaction to be lower than using a technology that is used today (GPRS ). Selection of use of the above technologies should be accompanied by investment policy and different operations, for it was on this thesis has made a modeling making it easier for leaders to take a decision. The modeling scenario consisted of five options that can be used in a number of EDC conditions and payback periods are different.]

Abstrak :
ABSTRAK
Skripsi ini memuat mengenai perlindungan konsumer pemegang kartu debet yang merupakan salah satu alat pembayaran utama dalam melakukan sebuah transaksi. Bersamaan dengan perkembangan teknologi yang sejalan dengan perkembangan di dalam dunia perbankan, terlebih dalam hal kegiatan alat pembayaran, penggunaan kartu debet juga mempunyai sisi negatifnya.Salah satu sisi negatif yang terdapat dalam penggunaan kartu debet adalah minimumnya proteksi yang diberikan oleh bank yang menerbitkan kartu debet berupa verifikasi tanda tangan, dimana hal tersebut merupakan suatu celah yang membuka peluang terhadap penyalahgunaan kartu debet dengan memalsukan tanda tangan yang terdapat di belakang kartu debet tersebut.Berdasarkan hal-hal yang telah dibahas dalam skripsi ini, dapat dikemukakan bahwa terdapat beberapa kelemahan dalam menggunakan kartu debet, yang salah satunya adalah verifikasi tanda tangan sebagai proteksi yang diberikan oleh bank penerbit kartu debet. Skripsi ini menkonklusikan bahwa perlu adanya regulasi dan teknologi lebih yang mengatur mengenai proteksi konsumer dalam melakukan transaksi menggunakan kartu debet.

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ABSTRACT
This undergraduate thesis discusses about the customer protection over the use of debit card that has become one of the main payment instruments in having transactions. As technology improves, which gives improvements to the banking world, moreover in regards to payment instrument activities, it also gives negative sides of the existence of debit cards.One of the downsides of debit cards is in regards to its minimum protection provided, to which it gives loopholes to frauds and abuse of debit cards, knowing that the protection provided by the issuer of the debit card is as minimum as signature verification, which can always be forged by a third party.The research method that is conducted in order to finish this undergraduate thesis is juridical normative literature study, which reflects the law as the guidance and direction in the implementation of every sector of social and public life to set order and justice, especially in terms of law that is pertaining to economic law, which one of them is banking law.Based on the whole discussion within the chapters, it can be concluded that there are several weaknesses of the use of ATM debit cards, which one of them is signature verification, that is most of the time used as a method of authorization. This undergraduate thesis concludes that there should be several added provisions and technologies to give security to the customers in regards to their protection.