PHASE 03.09 ACCEPTANCE VERIFICATION SUITE⚡ All 6 operational steps verifiable via one-click simulation

INVESTIGATIVE DOSSIERStatus: Active• ID: dossier-2026-a

Digital Banking Algorithmic Audit & Cyber Liability Matrix

Investigating corporate liability exposures, minimum capitalization harmonization, and third-party cloud data failover obligations for Tier 2 commercial digital banks operating in Indonesia.

Owner & LeadDr. Hendry Sutanto (Principal Legal Architect)

Collaborators2 Analytical Counsel(s)

Canonical Sources3 Attached Authorities

Archival StatusSession Workspace

Attached Canonical Authorities

In compliance with Phase 03.09, sources directly reference canonical legal objects without duplicating raw text ledgers.

Regulation

POJK No. 22/POJK.03/2020 tentang Bank Umum

Relevance to Dossier:

Primary statutory framing establishing IDR 3 Trillion equity floor and IT risk governance.

Key Statutory Anchor:Pasal 14 (Modal Inti) & Pasal 23 (Arsitektur Keamanan Siber).

Attached: 10 Jul 2026Inspect Canonical Route

Case

Putusan Mahkamah Agung No. 1245 K/Pdt.Sus/2024

Relevance to Dossier:

Landmark cassation verdict affirming strict corporate liability in third-party cloud database outages.

Key Statutory Anchor:Doktrin tanggung jawab mutlak dan penolakan pembelaan force majeure vendor awan.

Attached: 12 Jul 2026Inspect Canonical Route

Company

PT Bank Jago Tbk (ARTO)

Relevance to Dossier:

Primary corporate benchmark representing compliant Tier 2 digital ecosystem banking architecture.

Key Statutory Anchor:Modal inti IDR 8.4 Traliun & integrasi API bersama ekosistem super-app.

Attached: 15 Jul 2026Inspect Canonical Route

LegalView Intelligence Layer

Resolving canonical entity telemetry & graph nodes...