Customer Negligence Is Still The Main Factor For Data Theft

Illustration. (Photo: Unsplash)

JAKARTA - Personal data protection is currently still a hot issue to discuss. There are still many cases of data hacking or cyber crime that have occurred, and have hit a number of large institutions in Indonesia, including banking institutions. Moreover, recently there has also been widespread data breaches due to customer negligence that cannot protect its banking data.

Banking is still the choice of people to save their money. By keeping money in the bank, the owner of the money becomes calmer and feels safe. However, it turns out that there are still cases when customers feel they have lost their money, and their savings balances are reduced even though they don't withdraw their money.

This is in line with the community who are still not sensitive to the importance of maintaining the confidentiality of personal data.

In principle, all banking activities are supervised by the Financial Services Authority (OJK) and Bank Indonesia (BI). Thus, every banking service activity must be carried out carefully. However, customer data breaches still occur.

Many factors are the trigger, both from the banking system and from customers. However, so far the burglary of customer data has generally been caused by the negligence of the customer itself.

As happened to Bank BTN customers recently, which went viral on social media. The customer complained that his funds were lost in savings allegedly because he could not maintain the confidentiality of his banking data.

The customer went berserk to one of the bank officials and mentioned the term of 8 months. BTN also appealed to customers to maintain the confidentiality of personal data in the form of identities, savings books, PINs and other personal data. This is to prevent things that can harm customers.

Segara Research Institute Executive Director Piter Abdullah admitted that the breach of customer data has been generally mostly caused by the negligence of customers, especially in maintaining the confidentiality of personal data in the form of identity, savings book, PIN and other personal data.

According to him, Indonesian literacy is still low as one of the main factors causing the high leakage of customer data. This of course should be a special concern for regulators.

"If you look further, it is caused by misunderstandings, low financial literacy, and not realizing the risk that they can lose their funds if they are not careful in maintaining their own data. To overcome this, education must continue to be increased to increase literacy and are aware of risk," Piter said in a statement quoted on Saturday, March 18.

On the other hand, he also reminded the public to be wiser and more careful in using social media, especially regarding banks because it can trigger public distrust of banks. So it is feared that it could trigger an rush bank like what happened in foreign countries which has recently been in the spotlight of the world. If this is the case, the impact could be widespread, it could even cause a crisis.

"It is our common obligation. Because we spread negative news without knowing the problem could fall into the spread of hoaxes and could have a legal impact. It is better not to comment if we don't understand the real problem. Wrongly speaking which then has a broad impact can harm yourself and the community too much," said Piter.

Meanwhile, Banking Observer Paul Sutaryono added that the role of OJK is very much needed in encouraging literacy, education and socialization to the Indonesian people regarding data confidentiality. Thus, the level of public financial literacy will be higher. These efforts will be able to reduce the potential risk of financial cases such as banking and other financial institutions that are vulnerable to data burglary.

"The OJK should be a warrior in the financial services sector, continue to provide education and socialization about finance. It can contain both honey (benefit) and poison (risk potential) for banking products and services," added Paul.

However, this goes back to the customers themselves. Customers must fully understand the risks that occur if they are careless in using banking services.

"Don't forget that customers or consumers must also continue to learn and maintain the security of personal data related to their banking products and services. The data can be in the form of ATMs, savings books, account numbers, ID cards, biological mother names. All of this is very useful to prevent potential fraud risks that can harm banks and customers," he said.

Regarding the complaints of Bank BTN customers that went viral on social media. Bank BTN Corporate Secretary Achmad Chaerul said the customer's problem is currently in the legal process for its resolution. His party has reported this issue to law enforcement officials, for that the company hopes that customers can work together to resolve this problem.

According to Chaerul, Bank BTN guarantees the security of all transactions of its customers by implementing Prudential Banking and Good Corporate Governance in accordance with statutory regulations. He also asked all parties to respect the ongoing legal process so that they could see the real facts.

Bank BTN will always obey the principles and obey the law and comply with and carry out court decisions that have permanent legal force.

"We are committed to taking firm action against any violation of the law and will not protect any party proven to have violated the law," he explained.