OJK Ingatkan Masyarakat Jaga Data Rekening Tabungan

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OJK Ingatkan Masyarakat Jaga Data Rekening Tabungan | OBROLANBISNIS.com — Otoritas Jasa Keuangan perwakilan Sumatera Barat mengingatkan masyarakat untuk berhati-hati dan menjaga kerahasiaan pin ATM bank hingga buku tabungan untuk mencegah hilangnya uang dalam rekening tabungan di bank sebagaimana beberapa kejadian yang marak akhir-akhir ini.

“Hilangnya uang di rekening tabungan di bank disebabkan oleh dua hal yaitu faktor nasabah dan faktor perbankan,” kata Kepala OJK Sumbar Misran Pasaribu di Padang, Jumat.

Dari sisi nasabah, perlu dilihat apakah yang bersangkutan sudah benar-benar hati-hati menjaga kerahasiaan dananya.

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Pada berbagai kasus dijumpai banyak nasabah yang memberikan nomor pin ATM kepada orang lain.

“Atau nomor pin dicatat di kertas kemudian disimpan dalam dompet, saat dompet hilang maka rekening bisa dikuras orang,” katanya lagi.
Baca juga: OJK Sumbar terima 53 aduan soal industri jasa keuangan

Selain itu ada juga dalam satu keluarga antara suami dengan istri , orang tua dengan anak saling memberikan pin ATM.

 

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Untuk itu, nasabah harus benar-benar menjaga dengan baik kerahasiaan data pin, ATM dan buku tabungan.

Pada sisi perbankan juga perlu dilihat apakah sudah menjalankan prosedur keamanan internal dengan baik.

“Jangan sampai ada orang buka tabungan, ATM masih disimpan oleh oknum pihak bank dan tidak diberikan kepada nasabah. Akhirnya rekening dikuras oleh oknum tadi,” ujarnya.

 

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Selain itu juga ada kemungkinan terkait dengan sistem perbankan ketika ada yang ahli IT mengotak-atik sistem di bank sehingga bisa mentransfer ke rekening lain.

Kedua hal ini harus dijaga secara komprehensif dan OJK tidak bisa mengawasi nasabah dan hanya bisa fokus mengawai perbankan.

“Setiap tahun saat melakukan pemeriksaan dipastikan semua dana nasabah terjaga baik dan tidak ada mutasi yang tidak wajar,” kata dia.

 

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Dalam pemeriksaan OJK minimal sekali setahun dilakukan dan memastikan semua Standar Operasional Prosedur di bank berjalan dengan baik.

“Akan tetapi jika ada oknum pegawai bank yang mengambil dana nasabah secara ilegal akan diproses oleh OJK dan pihak berwajib,” katanya lagi. ***

 

 

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OJK Reminds The Public to Protect Savings Account Data | OBROLANBISNIS.com – The West Sumatra Representative Financial Services Authority reminds the public to be careful and maintain the confidentiality of bank ATM pins to savings books to prevent the loss of money in bank savings accounts, as in recent incidents.

“The loss of money in a savings account at a bank is caused by two things, namely customer factors and banking factors,” said Head of OJK West Sumatra Misran Pasaribu in Padang, Friday.

From the customer side, it is necessary to see whether the person concerned is really careful about maintaining the confidentiality of his funds.

In various cases, it was found that many customers gave their ATM pin numbers to other people.

“Or the pin number is recorded on paper and then stored in the wallet. When the wallet is lost, the account can be drained,” he said again.
Also read: OJK West Sumatra received 53 complaints about the financial services industry

In addition, there is also a family between husband and wife, parents and children give ATM pins to each other.

 

For this reason, customers must properly maintain the confidentiality of pin data, ATMs and savings books.

On the banking side, it also needs to be seen whether the internal security procedures are carried out properly.

“Do not let someone open a savings account. ATMs are still kept by unscrupulous bank parties and not given to customers. Eventually the account was drained by that person,” he said.

 

In addition, there is also the possibility that it may be related to the banking system when an IT expert tampers with the system at the bank so that it can transfer to another account.

These two things must be maintained comprehensively and the OJK cannot supervise customers and can only focus on overseeing the banking sector.

“Every year when conducting checks, it is ensured that all customer funds are well maintained and that there are no unnatural mutations,” he said.

 

In the OJK examination, at least once a year, it is carried out and ensures that all Standard Operating Procedures at the bank are running well.

“However, if there are unscrupulous bank employees who take customer funds illegally, it will be processed by the OJK and the authorities,” he said again. ***

 

 

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