Tips to Overcome Fraud Using Social Engineering Mode

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By:

Team of Hukumindo

Previously, the www.hukumindo.com platform has talk about "The Ministry of Maritime Affairs and Fisheries of Indonesia has arrested an Illegal Chinese Ship in Bali", "Burberry Plans to Lay Off 1,700 Employees", you may read also "SpaceX Employee Fired For Frequent Bathroom Trips" and on this occasion we will discuss about 'Tips to Overcome Fraud Using Social Engineering Mode'.

Fraud often uses the name of a bank or certain institution. One of the methods is to ask the victim to access a link, ask for personal data, and some even ask to download an application via text message or phone call. Fraud with this method is called social engineering fraud. Quoting from Bank Mandiri's official social media, this fraud trick is to manipulate the victim's psychology so that they unknowingly provide important information such as credit/debit card numbers and expiration dates, PINs, Card Verification Value (CVV), Card Verification Code (CVC) passwords, and One Time Password (OTP) codes.[1]

After that, the fraudster also sends a link to a fake application (fake apps) that is similar to the official application of a certain institution. When the victim downloads the fake application and logs in, the victim's personal data can be directly accessed by the fraudster. Not only that, fraudsters also have other methods such as offering services or assistance (another term is Quid Pro Quo). In fact, this offer of assistance is used by fraudsters to try to convince potential victims to provide information or take certain actions. Another mode of fraud is through electronic mail (email) or email, or commonly called fake messages (phishing). Fraudsters send emails or messages claiming that the message is from a bank or other party, which is used as an opportunity to obtain sensitive information belonging to the victim.[2]

Related to this, Bank Mandiri provides tips to avoid the above fraud. First, do not click on any suspicious links from unknown numbers. It is better to just ignore the link. Second, it is advisable to always check the original source or official account of the relevant agency if you intend to upload a particular application or site. Third, always maintain the confidentiality of personal data such as OTP, credit/debit card number, card expiration date, CVV/CVC, and PIN number. Finally, fourth, it is necessary to apply a sense of suspicion if offered suspicious things. It would be better to contact the official account or official call center directly to obtain the validity of the information and avoid fraud.[3] And if you have any legal issue in Indonesia territory, contact us for business inquiry, feel free in 24 hour, we will be glad to assist you. 

*) For further information please contact:

Mahmud Kusuma Advocate

Law Office

Jakarta - Indonesia.

E-mail: mahmudkusuma22@gmail.com

________________

References:

1. "Nasabah Bank Harus Waspada! Jangan Terjebak Trik Licik Penipu Bermodus Soceng", www.detik.com., Amanda Christabel, 12 Mei 2025, Link: https://finance.detik.com/moneter/d-7910726/nasabah-bank-harus-waspada-jangan-terjebak-trik-licik-penipu-bermodus-soceng.

2. Ibid.

3. Ibid.