JAKARTA - Technological advances not only make life easier, but also raise new challenges. One real threat that is now growing is fraud that uses artificial intelligence (AI) technology with deepfake techniques that can mimic a person's face and voice very realistically.
As a customer-oriented financial solution provider bank, PT Bank Danamon Indonesia Tbk (Danamon), realizes the importance of education through the #Don't Give Care to face all forms of cyber crime, including those that use AI technology, so that they can support customers to avoid losses due to fraud in cyberspace.
Andreas Kurniawan, Chief Digital Officer Danamon explained, Danamon sees this cyber-based fraud phenomenon as a serious challenge that must be faced together. Therefore, Danamon organizes the #Don't Be Careless Educational Campaign which aims to increase public awareness and awareness of various forms of fraud, and can continue to update their insight into the trend of the mode that has emerged.
"One of the cyber crimes that we focus on is cyber crime that uses AI technology, such as through the use of deepfake techniques that can trick customers. The #Don't Be Careless Campaign is part of Danamon's efforts to protect customers from various potential losses that can occur due to fraud," Andreas said, in his statement, Tuesday, November 4.
AI technology was originally developed to help the community in carrying out their daily activities, for example the use of generative AI for creative purposes, such as the creation of entertainment content and digital art. However, along with the ease of access and improvement of this technological capability, many parties misuse it for cybercrime. Among other things, fraudsters use deepfake techniques, namely a video and audio manipulation technique that can mimic visual characteristics (such as faces) and sounds from others by resembling and difficult to distinguish from the original, so as to trick victims to provide confidential personal data such as the OTP Code, CVV/CVC Code, PIN and the validity period of Debit Card / Credit / Charge Danamon.
The modus operandi of this crime is often carried out by making voice calls or video calls to customers by claiming to be bank officials with an original and convincing appearance.
According to a report by the Indonesian Banking Artificial Intelligence Management from the Financial Services Authority (OJK), cases of fraud with deepfake techniques have increased as the ability and accessibility of generative AI increases. It was also stated that between the first quarter of 2023 and the first quarter of 2024, there was a 223 percent spike in trading of deepfake makers' devices on dark web forums.
This shows that this technology is increasingly accessible and used by cybercriminals, often without detection. This threat not only affects certain individuals or companies, but can also disrupt public confidence in the financial system as a whole.
"Currently, there has been a lot of use of AI technology for positive purposes. On the other hand, cybercriminals have used AI to gain profits through criminal acts, such as the use of deepfake techniques with the aim of tricking victims. If they do not realize this form of crime, the victim will be easily contacted by criminals, tricked, and provide confidential data that will be used for detrimental purposes. For this reason, it is important for the public to know the schemes that fraudsters may use, while reminding customers and the public not to just give OTP Codes, CVV/CVC Codes, PINs and the validity period of Debit/Dredit Cards / Charge Danamon to people who cannot be verified, including those claiming to be representatives of banks, "added Andreas.
Perpetrators can pretend to be family members who are in an emergency and need financial assistance, celebrities who offer fake gifts, or even bank officials who ask for confidential personal information. With voices and faces very similar to the original, victims are often trapped and provide important information that is then misused to carry out illegal transactions.
BACA JUGA:
Through the #Don't Be Careless, Danamon educational campaign, customers are reminded to always be careful and verify every call or request for information received. To avoid fraud using deepfake techniques, customers are advised to check phone numbers that contact and ignore calls from unknown or suspicious numbers; pay attention to the voice of the person talking and ignore if it sounds flat or inconsistent; pay close attention to the facial expressions of the interlocutor, because Deepfake technology often produces unsynchronous lip movements with less natural speech and expression, such as rarely blinking eyes; as well as reviewing the information by ignoring when the person asks for a certain amount of funds and/or personal information.
If Danamon customers feel they have become victims or have provided confidential data to irresponsible parties, customers are advised to immediately change passwords (passwords) and banking account PINs. In addition, customers can temporarily or permanently block Transaction Cards through the D-Bank PRO application or contact Hello Danamon services at 1-500-090 while in the country and +62-21-23546000 while abroad. This quick step is very important to prevent greater financial losses.
"Danamon believes that education and collaboration are the main keys in maintaining the safety of financial transactions in the digital era. Therefore, Danamon invites all customers and the public to jointly increase vigilance, not to easily believe in unverified information, and always use official communication channels in interacting with banks," Andreas concluded.
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