The Theft of Bank’s Customer Data Happens Again, Here are the 4 Ways to Avoid It
undercover.co.id – In early November, the theft of bank customer data happened again, causing customers to lose money. Reported from Bisnis and Kontan the case of a national public bank customer in West Nusa Tenggara branch was being handled by the police. “The police are still monitoring the case, while it’s still processing at the regional police quarter,” said Head of Public Relations Division of National Police Headquarter Boy Rafli Amar when contacted by Halomoney earlier this week.
These customers’ data theft cases have often been experienced by various banks. Not only affects the saving customers, also the owners of credit cards. The theft of customers’ data is done by various ways, leading to funds theft in savings accounts and credit cards.
The most common way is to record customers’ data such as the card numbers and PIN numbers when transacting at ATM. The data were then copied into the new cards that can be used to withdraw saving funds. In addition to saving cases, copying credit card numbers and PIN numbers is also common. “It’s called skimming. Why the cases happened often, I cannot answer, “said Boy.
Moreover, there is internet banking phishing. By this trick, the data thief provides a very similar fake website to the bank’s website so that customers are not aware of entering data.
Based on police data cited in Kontan.co.id (1/6), there were as many as 5,550 cases of skimming in the world in the last three years, a total of 1,549 cases of which occurred in Indonesia.
Apart from the actual actors, now the most important thing for you is to keep your debit card and credit card away from data theft. Here are tips for you avoiding credit card and debit card data theft, extracted from research and interviews with the Head of Public Relations Division of National Police Headquarter Boy Rafli Amar.
- Always maintain the confidentiality of your PIN number
One of the important prevention steps should be done is to ensure that the number of your personal identification number (PIN) ATM of debit cards and credit cards not fall into anyone. Only you should know The PIN numbers and only you who replace it periodically.
Most of the credit card is now equipped with a chip and PIN. If your credit card is not equipped with a chip and PIN, you should ask the bank to replace your card. “You’d better having a chip in the credit card for the sake of more secured PIN,” said Boy Rafli to Halomoney.
However, your current PIN number should not be the numbers that are easy to guess, for example, do not using the date and year of birth. It is common sense that date of birth now easily figured out through social media. We recommend using a PIN that cannot be detected by any people.
- When the transaction at the merchant, do it in front of you
If you transact in one of the merchant with the service facility of debit card or credit card payment, do not let the waiter or waitress swipes your card without your supervision. Transaction should be done in front of you. Do not let a waiter or waitress at merchants leave you and do the transaction by your card in the other corner.
We recommend that when dealing with credit or debit cards at merchant, you have to use a PIN, do not just sign the transaction receipt. Using the PIN is safer than simply providing a signature.
- The Data Request from the internet
Now many unknown promotional contents email, inviting be acquainted or ask you to give the account number in order to transfer the money to your account number. If you get an email like that from a stranger, you should be wary. Because it could be the part of a scam just wants to take your data.
In addition, another common way is to ask you to download a similar application to the bank’s official application. Once downloaded, the content is usually only a malware program or virus that will steal your data. The fraudsters usually have a very similar and reliable design by using bank logos includes other information. We suggest you to think again and not easily click on the request.
- Keep safe your Smartphone and laptop
Smartphone are often used for transactions via e-banking (by a bank application) and online banking (via the bank’s website). Make sure the Smartphone that you normally use to do internet banking or online banking transaction is not left behind at the house or somewhere else, to let it alone on public places, disappear from your sight, or to be stolen. If your Smartphone falls into the hands of irresponsible person, it is going to be easy to use for transactions.
To prevent others from using your phone without permission, do not set your ID and PIN in your Smartphone automatically in the app and the website of your regular bank. We recommend you to change the settings of automation for log in, and replace it by setting the non-automatic ID and PIN. This is a trick for your Smartphone away from illegal users who want to easily transact with it.
It goes the same if you frequently use a laptop for online banking transactions. Your laptop should have layered safeguards. Besides the password to open the laptop, you need to lock your important stuffs with the password also, for example, each for the financial statements and other important documents. The Theft of Bank’s Customer Data Happens Again, Here are the 4 Ways to Avoid It