SECURITY STRATEGY IN FACING PHISHING AND SKIMMING THREATS: ANALYSIS AND TECHNOLOGY SOLUTIONS AT BANK MUAMALAT INDONESIA DENPASAR BRANCH OFFICE
Keywords:
Security, Transactions, M-BankingAbstract
Abstract. The background to this research is that the trend of non-cash or cashless transactions is increasingly widespread in Indonesia. The Bank is also trying to expand its network sector by providing a number of conveniences when carrying out financial transactions without the need to come to the bank. One of them is transactions via smartphone or M-Banking. However, behind the development of banking and the ease of making transactions via M- Banking, there is also the risk of cyber-based crime or threats, so this research aims to analyze the security of transactions when using M-Banking services. The focus of this research is: 1) What is the security of transactions when using M-Banking services at Bank Muamalat Indonesia Denpasar Branch Office? 2.) What are the efforts to increase security for customers who make transactions via M-Banking services at Bank Muamalat Indonesia Denpasar Branch Office? The objectives of this research are: 1) To find out the security of transactions when using M-Banking services at Bank Muamalat Indonesia Denpasar Branch Office. 2) To find out how efforts to increase transaction security are carried out by Bank Muamalat Indonesia Denpasar Branch Office. The research method that will be used is descriptive qualitative, with data collection techniques through observation, interviews and documentation, as well as data validity techniques through the triangulation method. The research results will be presented in a descriptive manner. The result of this research is that transaction security in M-Banking services carries out risk analysis to detect threats that occur. 1) risks in using M-Banking services can be detected through the risk analysis process carried out by the bank, which includes identification, evaluation and risk assessment, as well as risk management. 2) the improvement efforts made are by managing customer information security in accordance with CIA standards (Confidentiality, Integrity, Availability) so that customers can use M-Banking services safely and comfortably.
References
Abdul Halim Harahap, Dkk. 2023. “Pentingnya Peranan CIA Triad Dalam Keamanan Informasi dan Data Untuk Pemangku Kepentingan atau Stakholder,” JMPD Jurnal Manajemen dan Pemasaran Digital, Volume 1 Nomor 2
Amad Pambudi. 2024. “Pengaruh Persepsi manfaat persepsi kemudahan keamanan dan ketersediaan fitur terhadap minat ulang nasabah bank dalam menggunakan internet bangking (studi pada program layanan internet bangking BRI).” journal of management studies Volume 8 Nomor 1.
Amania Wahyu Atsari, Dkk, 2023. “Perlindungan Hukum Bagi Nasabah Perbankan Terhadap Kesalahan Layanan Mobile Banking Dari Sistem Teknologi Informasi Perbankan”, YURIJAYA, Jurnal Ilmiah Hukum, Volume 5 Nomor 1
Annisa Fitri Iriani, 2021 “Minat Nasabah dalam Pengguna Mobile Banking Pada Nasabah Bank Mandiri Syariah Kota Palopo,” Journal of Islamic Management and Bussines Vol. 2, No. 2.
Asaruddin Akbar, Dkk.2021. “Konsep Dasar Ekonomi dan Transaksi dalam Muamalah Islam”, jurnal STAI Darul Dakwah Wal-Irsyad Makassar.
Irma Aidilia Putri, 2015. “Pengaruh Perkembangan Cashless Transaction Terhadap Kebutuhan Uang Tunai (Kartal) Masyarakat”, Jurnal Ilmiah Mahasiswa FEB, Volume 3 Nomor 1.
Mariah dan Rahmat Kurniady, 2017.“Analisis Faktor-Faktor Yang Mempengaruhi Jaminan Keamanan Dalam Transaksi Dengan Menggunakan Sistem E-Commerce Pada Bajiki Store Makassar,” AKMEN Jurnal Ilmiah, Vol. 14 Nomor 4.
Muhammad Khairul Faridi. 2018. “Kejahatan Siber dalam Bidang Perbankan” Cyber Security dan Forensik Digital, Vol.1 No.2,
Muhammad Sholihin, “Upaya Peningkatan Keamanan Bertransaksi Melalui Layanan Mobile Banking (M-Banking) di PT Bank Syariah Mandiri Jember
Muhazzab Alief Faizal, Dkk. “Analisis Risiko Teknologi Informasi Pada Bank Syariah : Identifikasi Ancaman dan Tantangan Terkini”, Jurnal Lembaga Keuangan, Ekonomi dan Bisnis Islam, Vol. 5, No. 2 (2023).
Mukhtisar, dkk, “Pengaruh Efisiensi, Keamanan dan Kemudahan terhadap Minat Nasabah Bertranksaksi Menggunakan Mobile Banking (Studi pada Nasabah Bank Syariah Mandiri Ulee Kareng Banda Aceh)”, Global Journal Of Islamic Banking and Finance, Vol. 3, No. 1, (2021).
Oktavia Sekar Hermarani dan Kuswardani, “Sistem Keamanan Dan Ketertiban Masyarakat Swakarsa Sebagai Upaya Penanggulangan Kejahatan,” Dih: Jurnal Ilmu Hukum, Vol. 18 Nomor 2, (Agustus 2022): h. 214 Paryati, “Keamanan Sistem Informasi”, Seminar Nasional Informatika 2008 (semnasIF 2008).
Kitab Suci dan Undang-undang/Peraturan
Fajar Mulya. 2010. Al-Qur’an dan terjemahannya. Surabaya: CV Fajar Mulya
Otoritas Jasa Keuangan, Undang-undang tentang Perbankan (Jakarta: Departemen Agama RI, 2006)
Peraturan Presiden RI Nomor 71 Tahun 2019 tentang penyelenggaraan sistem dan transaksi elektronik (Jakarta: Direktorat Peraturan Perundang-undangan)