The relationship between Digital Banking and customers is based on 2 (two) interrelated elements, namely law and trust. Public trust in Digital Banking is the basis for the public's willingness to deposit their funds in the digital Banking.

The legal relationship between Digital Banking and customers according to Munir Fuady, namely contractual and non-contractual relationships, contractual relationships refer to agreements made in writing between the parties involved, while non-contractual relationships refer to agreements made orally or unwritten. These agreements can cover various aspects, such as government procurement contracts for goods/services, electronic contracts (e-contracts), and standard contracts in banking credit.

The legal relationship between digital banking as a business actor and customers as consumers is a contractual relationship based on standard clauses made in an agreement, the rights and obligations of each party must not be limited only on the basis of the agreement at Digital Banking. Agreements at Digital Banking are often impartial and benefit the interests of Digital Banking as a business actor who has a more dominant position by containing standard clauses that are detrimental to consumers. The relationship between customers and Digital Banking must also be based on the laws and regulations in force in the field of consumer protection.