E-BANKING

However electronic transactions requires vigilance not only for banks as service providers, but also the customers as users of the service. Increased security of e-banking and customer awareness is necessary for e-banking transactions did not lose faith.

Actually ATM burglary case was not a frequent and easy going. That's because ATM break-ins and e-banking channel options can only occur if there is a combination of negligence on the part of banks and customers. Negligence of the bank include, among others letting equipped ATMs without an anti-skimming devices and indiscipline in the room watching the bank where the ATM is thus unable to detect any hidden camera or stored on the skimming mouth ATM. The negligence of the customer is usually careful not to keep personal identification number (PIN) that is known by others.

If the error is single, for example PIN stolen, break-ins likely will not happen because no devices Skimmer, criminals will not be able to duplicate ATM card data. Break-ins are also difficult to occur if the PIN number is not stolen, although criminals managed to steal an ATM card data through Skimmer tool.

However, security still must be improved because the burglary e-banking in the future may be done with new patterns that have not imagined this moment. General Manager Consumer Services Fund and Eko Cahyo BNI Anggoro explained, BNI has introduced a system of layered security to prevent cheating (fraud) and break-ins, ranging from standard operational procedures to safeguard customer data, use of PINs, usernames, secured networks, data encryption systems, to with the provision of facilities for the user dynamic password internet banking.

From the side of the ATM terminal environment, the bank also had to apply the protection and surveillance equipment on existing machines to prevent the parties will make the customer data retrieval illegally, Anggoro said.

According to Anggoro, with a doubling of cases of ATM cards, banks are required to further enhance customer transaction security. Some of the steps that have been made BNI is calling for its customers through mass media and personal messages to be more vigilant at the time of transaction (either maintaining the confidentiality of your PIN and be alert to the surrounding environment). Although the system has adequate security, the monitoring function continuously improved by evaluating the effectiveness of security systems that are used, further guidance to operational staff, and quickly follow up any reports related to the possibility nasbah foul happened.

Cases doubling ATM card had indeed been given the shock effect of the ATM user customers. Concern for the transaction can only occur for a while. But with the socialization of the banks, are expected to know the customers who already seated problems can respond in a more natural and be able to transact with more confidence. For BNI itself, the current case does not give much influence on ATM users.

Micro and Retail Director of Bank Mandiri, said Budi Gunadi Sadikin, security related, each channel (channel) Independent e-banking has been equipped layered security system.
In developing e-banking, Bank Mandiri consider two factors of authentication. First, the factors that customers have, for example for ATM transactions owned Mandiri is an ATM card, to the Internet that are owned Mandiri is token, and for the Independent SMS is a mobile phone owned. Second, the factors that customers know, for example for ATM transactions are PIN Mandiri ATM card, for Independent Internet is the user ID, PIN login and password token, and for the Independent SMS is a PIN. To know what customers are assured that the information the customer is known not to know the bank staff. User ID Mandiri Internet for example, makes himself and nasbah bank officials do not know.

We also do security-guard technically, such as SSL, firewalls, and encryption. For physical services, such as ATM, we added physical security as well as CCTV, anti-skimming devices, and also the security guard (security). We regularly perform rejuvenation of the existing ATM and complete security factor in all the ATMs, said Budi.

In addition, Bank Mandiri has Mandiri SMS service that is equipped with SMS notification feature. With this SMS notification, customers can monitor the account. Customer will receive a SMS warning from Bank Mandiri (3355) every time a debit or credit transaction with a particular value in the account. Transaction value can be adapted to customer wishes, for example, every transaction of at least Rp 1,000,000 or USD 500,000.

Meanwhile, Bank Internasional Indonesia (BII), according to Stephen Liestyo director, security is done by doing educational program in order to prevent customers ATM fraud through announcements posted on the ATM-ATM BII and increase BII ATM machine services for security and customer convenience ATM users BII .

In line with the increased quality of ATM services, BII also perform rejuvenation ATM ATM and replace the old with the new ATM PIN equipped with protective and anti-skimming devices. BII will continue to perform rejuvenation of the ATM on an ongoing basis.

Like other banks, for the security of e-banking, including internet banking, using the second autotification BII, which is the token in the form of SMS. This token serves to form the second phase of protection after the username and password.

BII also has complete Internet banking service user notification of account activity via e-mail about trnsaksi made through internet banking, such as transfers received or auto debit credit bills, so customers can see it early in the event of a transaction that is not known especially to reduce the customer's balance customers.

Head of e-Channel Bank Permata said Anton Hermawan, before the case of an ATM card duplication, Bank Permata in the process of doing the installation of anti-Skimmer and PIN at any ATM cover it. Currently all ATM Bank Permata is mounted anti-Skimmer and PIN cover, in hopes of preventing duplication shadowing ATM card and PIN. In addition to prevention in ATM, Permata Bank also conducts education to customers of the importance of confidentiality and how to secure your PIN to e-banking transactions, especially in the ATM.

To avoid piercing the account through an ATM, customers need to follow some tips. Tip, among others, is always researching and considering the time to use the ATM machines and electronic data capture (EDC) and ensure that these machines have no other additional equipment.

Customers also are encouraged to change your PIN regularly and closing rate at the time entering the PIN number. Another alternative to re-enter your ATM card into the machine after the transaction and enter another PIN number is wrong to deceive and then cancel the process.

At the time of transaction using an ATM card at the store in cooperation with the banks (merchant), the customer is expected considering the EDC tool. If there is a suspicious device attached to the EDC or anything else suspicious, customers are encouraged to not transact, and immediately reported to the nearest bank or the authorities.

To achieve complete security levels, Bank Indonesia also suggested the banks to immediately implement the use of technology and the chip on the card or debit ATM machines that can improve safety and reduce the risk of theft of customer data (data skimming). The card was very safe because the chip is equipped with integrated circuit that uses the standard has been applied internationally in various parts of the world. This chip is equipped with a microprocessor that can store large amounts of data, processing a variety of applications, and able to perform data encryption and authentication. Excess is what makes the chip superior compared with previous technologies.

Currently, the chip has been widely used for credit cards but not for investment given ATM cards to be issued by banks not small. With the use of chips on credit cards, customers may make transactions more secure and comfortable without any feeling of fear the data will be duplicated.

In the past, credit card fraud prone to crime or duplication of data, known as skimmimg, where the data stored on the magnetic stripe is doubled through a device called a Skimmer is generally installed in the EDC. The data was successfully stored in the Skimmer likely printed into another card (forged) to be used as the original. This caused considerable damage not only on the customer side of credit card holders, but also the credit card industry as a whole.

If the act of forgery was not immediately eradicated, it would be effected on the lower level of public trust in transactions that use cards, and even reduces the level of international confidence in the banking system of Indonesia.