[{"_1":2,"_138":-5,"_139":-5},"loaderData",{"_3":4,"_28":29,"_30":31},"root",{"_5":6,"_7":-5,"_8":9},"locale","en","session","ENV",{"_10":11,"_12":13,"_14":15,"_16":17,"_18":19,"_20":21,"_22":23,"_24":25,"_26":27},"APP_ENV","production","APP_URL","https://veritask.ai","GA_MEASUREMENT_ID","G-X1BV3QBZEM","META_PIXEL_ID","4698743733686194","TIKTOK_PIXEL_IDS","D8A3HTBC77U9J3L243V0","CLARITY_PROJECT_ID","wn9rn7xb4l","AMPLITUDE_API_KEY","74a0c7cc1509a379d3647ec140dd375","MIDTRANS_CLIENT_KEY","Mid-client-hwjEU5pmwAKVMbIA","MIDTRANS_SNAP_URL","https://app.midtrans.com/snap/snap.js","routes/$locale",{"_5":6},"routes/$locale.search-engine.regulation.$regulationId",{"_32":33,"_34":35},"regulationId","e86e3e51-a5b0-46d0-995d-e99ef613de82","regulationData",{"_36":33,"_37":38,"_134":135,"_136":137},"regulation_id","overview",{"_39":40,"_41":42,"_43":44,"_45":46,"_47":48,"_49":50,"_51":52,"_53":54,"_60":61,"_62":63,"_67":68,"_72":73,"_74":75,"_76":77,"_78":79,"_80":-5,"_81":82,"_83":84,"_85":-5,"_86":87,"_88":89,"_90":91,"_92":93,"_113":114,"_115":116,"_117":118,"_119":120,"_121":122,"_123":124,"_125":126,"_127":128,"_129":130,"_131":-5,"_132":133},"title","Peraturan Otoritas Jasa Keuangan Nomor 13/POJK.03/2021 Tahun 2021 tentang Penyelenggaraan Produk Bank Umum","short_title","Peraturan Otoritas Jasa Keuangan Nomor 13/POJK.03/2021 Tahun 2021","number","13/POJK.03/2021","year","2021","published_date","2021-07-30","effective_date","2021-10-30","status_id","3611a577-44a0-41ad-986d-7457e14f52ff","status",{"_55":52,"_56":57,"_58":59},"id","name","Berlaku","description","Peraturan yang masih berlaku dan memiliki kekuatan hukum yang mengikat","type_id","87562a34-231b-40c7-9b97-1b05bf771685","type",{"_55":61,"_56":64,"_65":66},"Peraturan Otoritas Jasa Keuangan","short_name","Peraturan OJK","subjects",[69],{"_55":70,"_56":71,"_58":-5},"93c6b73c-a854-43c4-82da-bf667210398b","Perbankan & Lembaga Keuangan","tags",[],"location","Otoritas Jasa Keuangan","place_of_enactment","Jakarta","theme","Penyelenggaraan Produk Bank Umum","subject_matter","abstract","\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n


2021
Peraturan Otoritas Jasa Keuangan NO. 13/POJK.03/2021, LN.2021/NO.164, TLN NO.6701, peraturan.go.id : 29 hlm
Peraturan Otoritas Jasa Keuangan TENTANG Penyelenggaraan Produk Bank Umum
ABSTRAK:	\n \n \n
CATATAN:	\n \n Peraturan Otoritas Jasa Keuangan ini mulai berlaku pada tanggal 30 Oktober 2021. \n \n

","regulatory_relationship","Peraturan ini mencabut:\n1. Pasal 30 ayat (3) dan ayat (4) Peraturan Otoritas Jasa Keuangan Nomor 38/POJK.03/2016 tentang Penerapan Manajemen Risiko dalam Penggunaan Teknologi Informasi oleh Bank Umum.\n\nPeraturan ini mengubah:\n1. Pasal 16 dalam Peraturan Otoritas Jasa Keuangan Nomor 5/POJK.03/2016 tentang Rencana Bisnis Bank.\n2. Pasal 33 dalam Peraturan Otoritas Jasa Keuangan Nomor 16/POJK.03/2017 tentang Bank Perantara.\n3. Pasal 20, Pasal 21, Pasal 22, dan Pasal 24 dalam Peraturan Otoritas Jasa Keuangan Nomor 18/POJK.03/2016 tentang Penerapan Manajemen Risiko bagi Bank Umum.\n4. Peraturan Bank Indonesia Nomor 9/19/PBI/2007 tentang Pelaksanaan Prinsip Syariah dalam Kegiatan Penghimpunan Dana dan Penyaluran Dana serta Pelayanan Jasa Bank Syariah sebagaimana telah diubah dengan Peraturan Bank Indonesia Nomor 10/16/PBI/2008.\n5. Surat Edaran Otoritas Jasa Keuangan Nomor 36/SEOJK.03/2015 tentang Produk dan Aktivitas Bank Umum Syariah dan Unit Usaha Syariah.","scope_and_parties","policy_content","Peraturan Otoritas Jasa Keuangan Nomor 13/POJK.03/2021 tentang Penyelenggaraan Produk Bank Umum bertujuan untuk mendukung transformasi layanan bank melalui pemanfaatan teknologi dan inovasi yang sesuai dengan kebutuhan nasabah. Peraturan ini mengatur mekanisme perizinan penyelenggaraan produk bank dengan prinsip kehati-hatian dan perlindungan nasabah. Bank wajib menerapkan manajemen risiko secara efektif dan memastikan kesesuaian produk dengan strategi bisnis dan peraturan perundang-undangan. Produk bank dikelompokkan menjadi produk dasar dan lanjutan, dengan ketentuan khusus untuk produk berbasis teknologi informasi. Bank harus mencantumkan rencana penyelenggaraan produk baru dalam Rencana Penyelenggaraan Produk Bank (RPPB) dan melaporkan realisasi produk baru kepada Otoritas Jasa Keuangan. Sanksi administratif dikenakan bagi bank yang melanggar ketentuan, termasuk teguran tertulis, pembekuan produk, dan denda.","transitional_provisions","1. Terhadap proses penyelenggaraan Produk Bank dasar baru atau Produk Bank lanjutan baru yang sedang diajukan sebelum berlakunya Peraturan Otoritas Jasa Keuangan ini, proses penyelenggaraan Produk Bank dasar baru atau Produk Bank lanjutan baru tetap dilakukan sesuai dengan pengaturan penyelenggaraan Produk Bank yang terdapat dalam Peraturan Otoritas Jasa Keuangan.\n2. Prosedur penyelenggaraan Produk Bank baru mengacu pada Peraturan Otoritas Jasa Keuangan ini.","sanctions","1. Pelanggaran terhadap peraturan ini dapat dikenai sanksi administratif berupa teguran tertulis, denda, pembekuan produk, larangan menyelenggarakan produk baru, dan penurunan tingkat kesehatan bank.","revokes",[94,99,101,103,105,109],{"_95":96,"_97":98},"text","Pasal 16 dalam Peraturan Otoritas Jasa Keuangan Nomor 5/POJK.03/2016 tentang Rencana Bisnis Bank","link","",{"_95":100,"_97":98},"Pasal 33 dalam Peraturan Otoritas Jasa Keuangan Nomor 16/POJK.03/2017 tentang Bank Perantara",{"_95":102,"_97":98},"Pasal 20, Pasal 21, Pasal 22, dan Pasal 24 dalam Peraturan Otoritas Jasa Keuangan Nomor 18/POJK.03/2016 tentang Penerapan Manajemen Risiko bagi Bank Umum",{"_95":104,"_97":98},"Pasal 30 ayat (3) dan ayat (4) Peraturan Otoritas Jasa Keuangan Nomor 38/POJK.03/2016 tentang Penerapan Manajemen Risiko dalam Penggunaan Teknologi Informasi oleh Bank Umum (Lembaran Negara Republik Indonesia Tahun 2016 Nomor 267, Tambahan Lembaran Negara Republik Indonesia Nomor 5963) sepanjang berkaitan dengan perubahan laporan rencana pengembangan teknologi informasi atas rencana penyelenggaraan Produk Bank lanjutan berupa kegiatan berbasis teknologi informasi",{"_95":106,"_97":107,"_36":108},"Peraturan Bank Indonesia Nomor 10/16/PBI/2008","https://peraturan.bpk.go.id/Details/137599/peraturan-bi-no-1016pbi2008","88832120-c611-44f8-b634-9c49fd8b35e1",{"_95":110,"_97":111,"_36":112},"Peraturan Bank Indonesia Nomor 9/19/PBI/2007","https://peraturan.bpk.go.id/Details/137633/peraturan-bi-no-919pbi2007","9c785992-df39-41dd-89e2-719737e3e614","revoked_by",[],"partially_revokes",[],"partially_revoked_by",[],"amends",[],"amended_by",[],"partially_amends",[],"partially_amended_by",[],"establishes",[],"established_by",[],"constitutional_review","is_verified",false,"english_excerpt","\n

STATE GAZETTE
REPUBLIC OF INDONESIA
OJK FINANCE. Implementation of Products
Commercial Bank. Revocation. (Explanation in
Supplement to the State Gazette of the Republic
of Indonesia Number 6701)

REGULATION OF THE FINANCIAL SERVICES AUTHORITY
REPUBLIC OF INDONESIA
NUMBER 13 /POJK.03/2021
CONCERNING
IMPLEMENTATION OF COMMERCIAL BANK PRODUCTS

BY THE GRACE OF GOD ALMIGHTY

BOARD OF COMMISSIONERS OF THE FINANCIAL SERVICES AUTHORITY,

\n\n \n \n

Considering:

that increasing competition in the financial services industry encourages banks to transform in providing services to the public;
that to encourage the transformation of bank services, authority support is needed for the use of technology to generate innovation in creating services that suit customer needs dynamically and on target;
that as one of the efforts to support banks in creating services that suit customer needs dynamically and on

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