Jakarta, CNBC Indonesia– President Director of PT Bank Central Asia Tbk (BBCA), Jahja Setiaatmadja, said that his party will fully guarantee the replacement of customer funds if they become targets of hacks or cybercrimes. The reason is, the rapid development of digital banks has created a loophole for cybercrime that haunts even though it offers a number of conveniences.
“Sometimes it happens to a customer, for example he gives his OTP number, has his pin peeped, or he keeps the pin information in his wallet. Of course if it is compromised in this way it is not replaced, if it is really from a technological error we will replace it,” Jahjha said in CNBC. Indonesia VIP Forum Digital Bank recently.
However, customers must also receive education regarding safe transactions through digital banks, because according to him, most of the cybercrimes that have occurred have made use of social engineering. That way the customer is deceived and will provide personal data or an OTP code.
“This cyber crime can indeed attack the system or its customers. Be careful because customers are usually the weakest being attacked. If there is a loss due to hackers, it must be fully replaced,” he said.
He revealed, BCA Digital Bank, which will operate in the middle of this year, plans to develop deposits (funding) and payment (payment) first. After that, it will develop into lending or lending.
With the presence of digital banks, the services provided will be more integrated with a diverse customer coverage. So far, BCA has existing customers so that with the existence of a digital bank there are certain segments that can be focused on.
To meet this specific market need, even digital bank capital cannot be played around with. Moreover, the competition is getting tougher because more and more digital banks are present.
“All digital digital banks must have strong institutions behind them. If it is only conversion without strong support, the development will be heavy,” he said.
Jahja revealed that it should not be like when banking licenses were made easier so that there were 200 more new banks. However, only a few survive and thrive.
“It really means that if you want to develop a digital bank there must be strong capital and strong institutions to encourage it, without forgetting it. So are investors willing to invest such a large amount with increasingly fierce competition,” said Jahja.
(roy/roy)
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