4 Ways to Prevent Thieves from Hacking Your Bank Account

Jakarta, CNN Indonesia –

Advances in technology provide convenience for the community, including in performing transaction banking. With technology, customer no need to leave the house for money transfers, credit card bill payments, credit purchases, electricity bill payments, balance checks, transfers account, etc.

Understandably, all that can be done through technology mobile banking (m-banking).

However, for a number of individuals, the presence of banking technology has become an opportunity to attract personal benefits. As stated by the President Director of PT Bank Central Asia (Tbk) or BCA Jahja Setiaatmadja, there is a mode of burglary to a bank account through a telephone number that has been out of use for a long time or has died.

The mode is, the perpetrator uses the telephone number to make transactions through m-banking.

Jahja stated that bank account burglary can be done if the owner of the account number does not control password In a complicated way, for example, only with the date of birth or the sequence of numbers 123. According to him, BCA customers have experienced this mode several times.

“Many do not realize that they change phone numbers, old phone numbers are ignored. That happens when they use a password and someone uses that number again and it turns out password application mobile banking It’s easy, it will be broken, “said Jahja in an online discussion on Digital Payment Systems by CNBC Indonesia.

Therefore, as customers we must be able to keep up with the sophistication of technology with caution and prudence. Here are some tips that can be considered so that our accounts are not compromised.

[Gambas:Video CNN]

1. Regularly Updating Data

Financial Planner from Zelts Consulting Ahmad Gozali advises customers to update their data regularly, especially if there is a change in data. Includes data on home, office, email, telephone numbers and so on.

Even though it seems trivial, updating data is very important. The goal is to make it easy for the bank to detect if a transaction is found using old data by irresponsible individuals. Updating data can be done via the application or directly to the nearest bank branch office.

“Especially for the newest mode by utilizing numbers handphone old unused. Do not forget to update the customer data to the bank, or do update number in the connected application and using OTP (One Time Password) via sms, “he told CNNIndonesia.com, Friday (4/9).

2. Protect Personal Data

Gozali said customers must protect personal data by not telling the data to just anyone. Moreover, if the data is related to the validation of banking transactions, for example the date of birth, the name of the biological mother, and the address according to the KTP.

He also appealed to customers to wisely use social media to share information, because there is no limit on recipients if information has been uploaded over the internet.

“Because sometimes we are not aware of it share the name of the biological mother, a photo of the ATM card, especially on the back of the security code, or other personal information that might be used as an opening for fraud, “he added.

3. Change PIN Periodically

Financial Planner from Tatadana Consulting, Tejasari Asad, added that it is no less important so that the account does not break, is changing the PIN number regularly. Avoid using a PIN with a combination of birth date numbers, you should use a PIN with a high level of complexity.

“Periodically change your PIN and have notes with (PIN) so you don’t forget to do so handphone, “he said.

For your information, a high-complexity PIN is a combination of uppercase, lowercase, numbers and characters. In addition, avoid PIN combinations for easy-to-guess banking transactions such as the sequence 1234.

Gozali added if customers change smartphone, we recommend removing the application m-banking on old devices. Including, deleting SMS and email history that includes OTP codes and other transaction validations.

“Likewise when smartphone lost, immediately take precautions by blocking the account or changing password, “he said.

4. Not Placing Funds in One Account

Tejasari also advised customers not to put their money in one account. Especially if the customer always carries the account’s ATM card in the wallet, or installs m-banking from smartphone.

It would be better if, he said, customers have a number of accounts at the bank with different purposes for using funds. For example, one income money account and then another account for an emergency fund.

The goal, if something untoward happens, the customer will still have reserve funds.

“It is also advisable not to put a lot of money in a savings account, if a lot of it can be put into a deposit or investment account,” he said.

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