Why is the application and imposition of KYC (know your customer) / AML (anti money laundry) which is currently very massive in all applications, especially those related to financial applications, a crime / criminalization of society?

The answer is because through the neglect of KYC implementation by the state, the state logically alleges that all individuals are lawbreakers or guilty aka alleging that all financial app users are money laundering criminals.

Since individual app users are considered as criminals, if they want to continue using the app or using financial services, they MUST PROVE their innocence by submitting their KYC data to the app manager.

This erroneous logic certainly violates the main basic principle in a democratic country, which is the presumption of innocence. As a country of law and democracy, Indonesia adheres to the presumption of innocence.

What is the presumption of innocence? It is the principle that every mistake must be proven first. Therefore, the suspect (user) cannot be forced to give testimony (KYC information) against himself or to admit his guilt and is presumed innocent until a court decision.

This erroneous and reckless application of KYC is tantamount to vigilantism = arbitrary action by law enforcement officials.

In addition to being logically flawed, the application of KYC has also been proven repeatedly to be very detrimental to the general public. Countless KYC data in Indonesia has been leaked due to the negligence of managers, and there is absolutely no responsibility or settlement that benefits users. Instead, the public is blamed by the managers of this republic.

KYC data leakage is a very fatal mistake. because once the data is leaked, it will forever be spread and cannot be repaired. Because this concerns personal data attached to each individual.

Therefore, the current KYC/AML implementation should be reviewed, and abolished because it is not in accordance with the legal principle of presumption of innocence.