Cyber Crime
Technological advances also mean there are loopholes to break into cybersecurity. There are various cyber modes that occur, such as asking for OTP to create fake corporate social media accounts.
One of the modes is to ask for a One Time Password (OTP) code. The General Manager of BNI's Information Security Division, Andri Medina, said that the bank never asked for the code. The bank has never asked for the OTP. next is hijack sim card," he explained in an online discussion on the importance of cyber security for Indonesia's digital economy, Thursday (28/10/2021). The one-time password is a passcode sent by banks to customers to process financial transactions. This code can only be used once.
That way you can master the SIM Card and OTP. Perpetrators may also be able to obtain a pin and make transactions with credit cards.
The issue of crimes with SIM cards was also mentioned by the Head of Corporate Information Security at Indosat Ooredoo, Rusdi Rachim. He said the perpetrator had targeted the victim's SIM swap (transferring the victim's SIM card).
According to him, the public should not upload detailed information and report any anomalies in their financial activities. Besides also using security features or reporting to related parties.
"Users must be educated, do not upload detailed information, report anomalies," said Rusdi.
Andri also said that the public must also do several things to avoid cybercrime. Like using official applications, recognizing what official websites are like, and maintaining confidentiality such as pins and passwords.
Finally, he also said that criminals also have a mode of creating fake websites or social media from banks. Blocking attempts have been made but the fake service keeps popping up.
"There are so many fake websites with BNI etc. We take down, come again, we report BSSN, contact the admin owner," said Andri. Commercial banks in Indonesia recorded a loss of up to Rp 246.5 billion.
Director of Banking Research and Regulations of the Financial Services Authority (OJK), Mohamad Miftah, added that the potential loss for commercial banks was Rp 208.5 billion and recovery of Rp 302.5 billion. Not only banks, but customers also experienced similar losses.
"Losses experienced by customers are Rp. 11.8 billion, potential loss (loss) is Rp. 4.5 billion and recovery is Rp. 8.2 billion," said Miftah, in an online discussion on the Importance of Cybersecurity for Indonesia's Digital Economy, Thursday (28/10/ 2021) Meanwhile, he added that the pandemic was indeed a blessing for digital transformation. But on the other hand, there are also security holes in cyber.
Miftah said that in cyber security there is the application of two-factor authentication. Where there are two things there namely 'what you know' and 'what you have. Unfortunately, the last problem such as OTP can also be held by cyber actors.
"Online is very open. It's called digitalization, it is risky, we need to encourage digital awareness, not from regulators," he said.
The government itself is known to release plans on financial services. Namely, the existence of a master plan for the Indonesian financial services sector for 2021-2025, and from there a roadmap for the development of Indonesian banking was derived with one of the pillars related to digital transformation.
Last Tuesday, the OJK released a blueprint for digital banking transformation. One of them is the cyber risk which is also reduced to a provision.
Miftah said the blueprint would be followed up again. Namely, banks must implement security as mitigation of cyber security issues.
"Mitigation banks must implement adequate technology information security. Application systems prevent leakage," explained Miftah.
Causes of Decline from Nokia
It turns out that in Finland there is one of the biggest names in cellular phone manufacturers ever worldwide, namely Nokia.
Nokia cellular phone manufacturer was once the ruler of the world's mobile phone market share in the past few years.
It's just that Nokia's glory in the mobile market share from time to time has decreased. So what causes Nokia, which was once a giant in the mobile phone market, to finally decline drastically? Here's a story from Nokia, a mobile phone manufacturer from Finland, as reported by the Soreang Journal on the page Helsinki times. fi website.
Initially, Nokia was founded in a city in Finland called Tampere in 1865. This Nokia company was initially engaged in pulp, then moved to power plants, and rubber production. Then Nokia began to move in technology by developing computers and mobile phones.
In 1981, Nokia acquired a cellular phone company called Mobira and became the beginning of the development of Nokia cellular phones. The early Nokia cell phone production that dominated was the Nokia 3310, this phone had many users until the early 2000s.
At its peak in 2007, Nokia controlled 50.9% of the total market share of cellular phones or mobile phones worldwide.
After reaching its peak, Nokia also experienced a drastic decline, especially after its competitors such as Samsung and iPhone came with a new operating system. Samsung and iPhone came with a better and more reliable operating system, Android and IOS.
Both operating systems are more flexible than Nokia's Symbian operating system.
Many internet services, games, and more also require mobile devices with the latest operating systems. It was Nokia's fault when the company refused to evolve that led to them losing their edge.
This is the beginning of the decline of Nokia which had dominated the mobile market share in a few years.
Nokia's decline continued and its competitors with new types of operating systems continued to increase.Science and Technology News
