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Small Business Cyber Security


Small Business Cyber Security
Small Business Cyber Security

Small Business Cyber Security - Cyber crime is one of the challenges in the midst of an ever-growing era of digitization. People as users of digital services are often victims of cyber attacks carried out by hackers. 

In addition to being victims, people are sometimes confused to report when they are exposed to cyberattacks. As a result, people use social media to complain and go viral. 

Executive director of research and regulation of OJK banking, Anung Herlianto explained that the principle of handling complaints has been regulated in OJK regulation no.6/2022 on consumer and public protection in the financial services sector. 

Financial service actors, including banks, must implement written policies and procedures regarding consumer protection.  He said if the losses received by society are caused by the banking system or infrastructure, banks should reimburse. 

"Financial services businesses are also prohibited from charging fees to consumers in carrying out complaint procedures," said anung. 

Furthermore, OJK also regulates the mechanism of consumer complaints in POJK no.18/2018 on Consumer Complaint services in the Financial Services Sector. The POJK regulates the deadline for dispute resolution that must be met by banks. 

OJK also provides services to the public to channel complaints through the consumer protection portal (APPK) application. The public can submit their complaints in the application. 

In the technical level, he continued, OJK has also issued OJK Circular Letter No.2/2014 on services and settlement of consumer complaints to Financial Services actors. The regulation regulates in detail related to services and settlement of complaints to financial service actors. 

“So actually we already have an outline to anticipate the potential, whether it is customer error or bank error to experience losses due to digital transactions. People can submit complaints through various digital channels earlier, " said anung. 

In terms of regulation, said Anung, OJK will revise POJK on Information Technology Risk Management (MRTI) into POJK on the implementation of Information Technology, the scope of which will be wider, not limited to risk management only.  

Anung said, customer digital literacy is key in the digital age. The hackers are aiming for the weakest layer in the digital banking ecosystem, namely customers. Therefore, the digital literacy of the community must continue to be improved by all stakeholders. 

According to the director of IT and operations of BNI YB Hariantono, the company focuses on two aera in maintaining and protecting customer data. First, internal strengthening so that customers can conduct digital transactions safely and comfortably through the application. BNI continues to improve infrastructure, technology and processes so that transactions are more secure, especially in the face of outside attacks. 

Second, increase and build public awareness so that they avoid social engineering and fraud in the name of banking. “We create sustainable and regular awareness programs for customers. This can be done by the banks themselves, or together with the industry and regulators,” said Hariantono. 

BNI also continues to invest in strengthening information technology. From the capital expenditure prepared for the development of Information Technology, the allocation of funds channeled to improve cybersecurity is quite large. 

"The funds are used for infrastructure, software and compliance upgrades for stronger cybersecurity," Hariantono said. (*)

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