Countering Cyber Attacks, BNI Strengthens Literacy And Customer Protection

JAKARTA - Indonesia has a large enough digital economy potential to be developed in the future.

Nevertheless, optimizing opportunities needs to be followed by efforts to increase people's digital literacy in order to minimize cyber crime.

The Financial Services Authority (OJK) stated that Indonesia has 55 million skilled workers and is projected to increase to 113 million by 2030.

Along with this trend, internet users in Indonesia grew 52.68 percent year on year (yoy) to 202 million people as of January 2021.

OJK data records that Indonesia's financial inclusion level has only reached the level of 76.9 percent in 2019.

Meanwhile, the level of financial literacy is still relatively low at 38.03 percent. In fact, the digital literacy index is still 3.49 percent.

OJK's Director of Financial Literacy and Education, Horas VM Tarihoran, stated that innovation in the digital financial era has made a lot of economic potential more open.

Nevertheless, all parties still need to be aware of the cybersecurity risks that continue to be exposed, which is mainly due to the low digital literacy of the community.

"So far, we see that there are around 38% of the people who have access to financial products who are vulnerable to being attacked by cybercrimes," he explained.

Therefore, Horas conveyed that financial literacy cannot be improved by OJK alone, the role of the financial services sector, including banking, is needed.

Moreover, there are about 3,100 financial service institutions registered with the OJK and it seems that only 40 percent of those who have fulfilled have carried out educational activities at least once a year.

“Big banks like BNI have conducted educational activities more than once.* *I also thank our banking friends and our financial inclusion is the biggest in banking, 73% are in banking, so it's only natural that friends in banking who carry out literacy activities," he said.

In unison, the Head of the Risk Management Division of Bank BNI Rayendra Minarsa Goenawan stated that he had synergized with regulators, both OJK and Bank Indonesia in implementing consumer protection.

He admits that literacy is the main guard in protecting consumer data.

“Security is not only from financial service actors, but most importantly from the data owners themselves in guarding it. So the end user as the owner of the data is everyone who uses the product, so literacy must be increased along with the increase in inclusion, "explained Rayendra on the same occasion.

In order to provide protection for customers, BNI has prepared various strategic steps.

Start by providing a complaint center through the BNI Contact Center (BCC) which operates 24 hours for 1 week.

Customers can submit complaints via telephone BNI Call 1500046, sending email to bnical@bni.co.id. or even visit the nearest BNI branch office.

In addition, BNI has a unit that monitors customer transactions and receives customer complaints reports 24 hours a day in 7 days.

BNI has also carried out a fraud detection function which functions to detect fraud activity in real time.

It didn't stop there, BNI had also followed the Bye Laws rules released by Bank Indonesia. Bye Laws are guidelines for blocking customer deposit accounts and refunding customer funds in the event of an indication of a criminal act. Bye Laws are used by banks for uniform implementation in banking practices for banks participating in Bye Laws.

The main purpose of Bye Laws is so that the proceeds of crime can be immediately blocked and returned to customers.

"BNI continues to strive to comply with OJK directives as banking supervisors to provide education to customers regarding customer data protection through various channels," he said.

BNI urges customers to always maintain the confidentiality of personal information including PIN and OTP transactions.

Immediately contact the bank's call center if the card is lost, stolen by someone else, or there is an irregularity in banking transactions.

Customers are also expected not to give or lend credit or debit cards to anyone.

Also complete the mobile phone with antivirus and do not use public WiFi facilities in conducting transactions.

Register an email or SMS transaction notification and update the data to the bank if there is a data change.

Finally, avoiding transactions via unknown webs or at e-commerce merchants that do not implement 3D secure.