Economic development cannot be separatedj-om the legal development as the efforts to manifest national develoment. W N o . 21 Tahun 2008 as an adequate law can provide better protection for inverstors. In Bagir Manan 's views, adequate laws contain three important elements existing in Acts (UU). The three elements are juridical, sociological, andphilosophical aspects. From thej uridical aspect, the regulating syaria banking enenstinign UU No.21 Tahun 2008 is bound in nature. Sociological aspect is accomodated in offeredproducts and services covering universal banking. Philosophical aspect is the improvement in justice based on syaria prnciples.The constraints of UU No. 21 Tahw 2008 are that this Act has not been comprehensive on regulating the implementation of banking activities orproducts by means of electronic facilities as the impacts of global economy bringing to national economic development. The aforementioned legal problems require specific rules such as separately regulating.