Digital Platform Adoption Increases, Here Are Tips to Keep Data Safe



Illustration: hackers snoop on public statistics. (notebookcheck)

The Ministry of Communication and Information (Kemenkominfo) noted, in October 2021, there was still an increase in internet service users reaching 202.6 million people as of January 2021. In addition, users of digital services in Indonesia also experienced a growth of 37% during the Covid-19 pandemic.

Rapid development in this sector is also followed by several consequences, such as rampant fraud, leaking sensitive data, or better known as using the term cyber-crime.

Based on the Cybersecurity Exposure Index (ICE) survey in 2020, indonesia's cyber crime index currently stands at 0.62. The value was higher according to the world average of 0.54.

This is a crucial note for businesses, banks, and the financial industry to improve cybersecurity. Looking at this, Xendit invites general consumers and Xendit business partners to consider some crucial suggestions to increase data confidentiality and security when transacting online.

For consumers, the most important thing to do is not to put a one-time password (OTP) code to any party. Then, it is crucial to use a password that is difficult to guess but easy to remember.

For example, instead of using a date of birth number, use a sentence like: "I'm GodD10Mei" or any other difficult alphabetic &number combination.

It is supported by coverage that hackers only need 10 min to be able to crack a password term consisting of 6 characters or less. And 80% of data leak cases are caused by weak user password terms according to Verizon data.

You can enable 2 layers of security, such as multi-factor authentication (MFA), or the socialization feature of paras &fingerprint. MFA is one of the best ways to avoid account hijacking.

Microsoft records attempted account hijacking up to 300 million times every day, but MFA activation can block 99.9 percent of them, even if hackers already have our passwords. Google also guarantees that MFA activation can block 99% of phishing attempts and 66% of email piracy attempts.

When shopping online, use an account check service. Before making a transfer for the repayment of online transactions, buyers can check the status of the seller's bank account on cekrekening.id.

The website created by the Ministry of Communication and Information collects reports from accounts commonly used for fraud. Throughout 2021, Cekrekening has received reports of online fraud complaints up to 115,756 problems, and 167,675 cases in the last year.

The rise of online buying and selling scams has such a pattern. Usually, instagram accounts online stores have a large number of followers but minimal interaction (no likes, comments). In addition, the photos appear common, more blurry, and low resolution because they are usually taken from other official stores, then check the authenticity of the online seller's photos.

Not only for consumers, for business owners also need to pay attention to the aspect of data security. Always be careful in providing let & access API keys or OTP codes.

Then differentiate your passwords and credentials to avoid the risk of dashboard takeover. Routinely deletes api/OTP keys that are not used, &updating passwords in a patterned manner.

Finally, make sure to always maintain confidentiality according to password terms and API keys in public spaces, and do not trust any party who contacts outside the official platform (e.g. via WhatsApp). For any organization or company, it is advisable to investigate more about security training on payment gateways.

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