The purpose of this study is to assess and analyze the factors causing the occurrence of cyber crime in Indonesian banking and its solution. Research method in this research was social legal research. Data collection techniques were through library and field studies. The data were analyzed by using interactive model proposed by Mattew B. Miles and A. Michael Huberman covering 3 (three) activities, namely data reduction, data presentation and conclusion or verification. The results of research indicate that the factors causing cyber crime in Indonesian banking is not only due to technological development factor, but also caused by other factors such as law, means, society and culture (culture) of course this results in law enforcement against various crimes including cyber crime.