JAKARTA - With the times, digital transactions via mobile banking are now more popular because they only need to use a smartphone. Like a double-edged sword, digital transactions are more easily hacked by unknown persons.
The problem of burglary accounts via the SIM Card mode that was taken over or SIM Swap Fraud is on the rise. The SIM card number that has been taken over will be used to access and drain the balance in mobile banking.
For information, in modern banking transactions, especially internet banking and mobile banking, special passwords are applied to cellphone numbers owned by customers or the so-called OTP (One Time Password).
Later the OTP will be sent via SMS to the cellphone number as a means of confirmation that it is the owner. Well, authentication with this cellphone number is used as an initial bridge for the perpetrator to enter the victim's mobile banking account.
Digital Forensic Expert, Rudy Alamsyah, reminded that the security system in mobile banking is currently not safe. According to him, authentication via the cell phone number used by mobile banking must be added with other protection mechanisms.
Rudy said in order to ensure the security of personal data as well as banking data is safe from attempts to break into accounts. He advised against easy access to free WiFi in public areas.
"Do not carelessly click on messages or advertisements sent by people via email or chat from other applications. Never give or fill in information related to personal data and personal banking data to anyone and through any media," he wrote in a short message to VOI, Tuesday 21. January.
If you are not currently using a personal device, as much as possible to delete the history traces on the browser used. "Prepare a record of our cellular operator's call center numbers, both numbers that can be contacted in general."
The same thing needs to be considered in the use of mobile banking. Before transacting, make sure the application is officially downloaded and uses an account name and password that is difficult to hack, as well as the Two Factor Authentication feature.
"No less important, passwords should also be changed regularly to avoid being hacked."
The English, Chinese, Japanese, Arabic, and French versions are automatically generated by the AI. So there may still be inaccuracies in translating, please always see Indonesian as our main language. (system supported by DigitalSiber.id)
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