Senin, 29 Mei 2023

Personal Data Must Be Safeguarded To Keep Bank Accounts Safe


Team of Hukumindo

Previously, the platform has talk about "Contoh Surat Permohonan Pembatalan Nikah Muslim", "How to Open a Police Report in Indonesia?", you may read also "How To Report Online Scammer Or Fraud To The Police In Indonesia" and on this occasion we will discuss about 'Personal Data Must Be Safeguarded To Keep Bank Accounts Safe'.

A number of cases of personal data hacking are still occurring and affecting the banking sector in Indonesia. Therefore, customers must also be able to protect their data so that there are no gaps for irresponsible parties to break into it. This is because personal data is the responsibility of the customer. Although in principle all bank activities are overseen by the Financial Services Authority (OJK) and Bank Indonesia (BI). The bank must run the service carefully.[1]

However, customer data breaches still occur. Many factors become triggers, both from the banking system and from customers. However, so far the breach of customer data is generally caused more by the negligence of the customer himself. Executive Director of the Segara Research Institute Piter Abdullah admitted that customer data breaches have so far been generally caused by customer negligence, especially in maintaining the confidentiality of personal data in the form of identities, passbooks, PINs and other personal data. According to him, the low literacy of the Indonesian people is one of the main factors causing the high level of customer data leakage. Of course this should be of particular concern to regulators.[2]

He revealed that the public as customers must also be wiser and more careful in using social media, especially when it comes to banking because it can trigger public distrust of banks. Meanwhile, Banking Observer Paul Sutaryono added, the role of the OJK is very much needed in encouraging literacy, education and outreach to the Indonesian public regarding data confidentiality. Thus, the level of financial literacy of the community will be higher. These efforts will be able to reduce the potential risk of financial cases such as banks and other financial institutions that are vulnerable to data breaches.[3]

"OJK, as the highest regulator of the financial services sector, should continue to provide education and outreach about finance. This can contain both honey (benefits) and poison (risk potential) of banking products and services," added Paul. However, this returns to the customers themselves. Customers must fully understand the risks that occur if they are negligent in using banking services. "Don't forget that customers or consumers must also continue to study and maintain the security of personal data related to banking products and services that they have. This data can be in the form of ATMs, savings books, account numbers, KTP numbers, names of biological mothers. All of this is very useful for preventing fraud. potential risk of fraud that can be detrimental to banks and customers," he said.[4] And if you have any legal issue in Indonesia territory, contact us then, feel free in 24 hour, we will be happy to assist you. 

*) For further information please contact:
Mahmud Kusuma Advocate
Law Office
Jakarta - Indonesia.


1. "Data Pribadi Wajib Dijaga Supaya Rekening Tetap Aman",, Minggu, 19 Mar 2023 22:45 WIB, Diakses pada tanggal 28 Mei 2023, Link:
2. Ibid.
3. Ibid.
4. Ibid.

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