CYBER CRIME EMERGENCY; Developing IT Solutions, Behavior, and Awareness in the Banking Ecosystem

Perkembangan teknologi dan semangat Revolusi Industri 4.0 telah mengantarkan kita ke era digital, di mana internet hadir untuk memudahkan segala urusan dan memenuhi kebutuhan manusia. Berdasarkan data We Are Social pada Februari 2022, pengguna internet di Indonesia telah mencapai 73,7% atau 204,7 juta orang dari 277,7 total populasi dan terdapat 370,1 juta cellular mobile connections atau setara dengan 133,3% dari total populasi. Namun, dengan makin canggihnya digitalisasi, ada risiko yang juga makin canggih untuk dihadapi, yaitu cyber crime atau kejahatan siber. Cyber crime dapat terjadi di semua sektor tanpa pandang bulu, selama memiliki konektivitas pada internet.

Dikutip dari laman berita Warta Ekonomi pada 07 Maret 2022, hasil monitoring Badan Siber dan Sandi Negara (BSSN) mencatat lebih dari 1,6 miliar anomali trafik atau serangan siber dan 5.574 kasus peretasan situs di sepanjang 2021. Dikutip dari OJK Institute, data BSSN juga menyebutkan bahwa serangan siber terbesar terjadi di sektor keuangan (23%), industri manufaktur (17,7%), dan sektor energi (10,2%) di sepanjang 2021. Sektor keuangan merupakan sektor yang paling rentan terhadap ancaman siber dibandingkan dengan sektor lainnya. Oleh karena itu, tren digitalisasi di sektor keuangan harus dibarengi dengan cyber security atau IT solutions yang mumpuni.

Keamanan siber merupakan hal yang krusial karena berpotensi mendegradasi inklusi keuangan dan menimbulkan dampak risiko sistemis karena hilangnya kepercayaan masyarakat terhadap sistem keuangan nasional. Selain itu, banyaknya serangan siber terhadap industri keuangan akan menciptakan inefficiency dan kerugian materil yang besar. Berdasarkan data International Monetary Fund (IMF) pada 2020, estimasi total kerugian rata-rata tahunan yang dialami industri keuangan secara global sebagai akibat serangan siber telah mencapai US$100 miliar atau lebih dari Rp1.433 triliun.

Di Indonesia, perkembangan teknologi yang pesat belum diikuti oleh kesadaran keamanan siber yang baik. Entitas dalam ekosistem bukan hanya dituntut untuk melengkapi diri dengan seperangkat perlindungan teknologi sebagai solusi TI, melainkan juga dituntut untuk mengupayakan terwujudnya budaya atau kebiasaan (behavior) dan kesadaran (awareness) akan risiko serangan siber, khususnya bagi sumber daya manusia (SDM) dalam tubuh organisasi maupun bagi nasabah atau masyarakat. Sebagai aktor yang menjadi bagian dalam ekosistem keuangan, mereka perlu diedukasi akan pentingnya peran dan tanggung jawab mereka dalam memerangi cyber crime di industri keuangan. Untuk mencapai hal tersebut, diperlukan upaya yang besar dari regulator, pelaku industri keuangan, dan penyedia jasa teknologi dalam rangka mewujudkan tingkat melek teknologi yang menghasilkan behavior dan awareness akan risiko kejahatan siber sehingga mampu mewujudkan keamanan yang menyeluruh dalam ekosistem.

Cetak Biru Transformasi Digital Perbankan yang dikeluarkan oleh OJK memberikan makna bahwa revolusi layanan jasa keuangan secara digital akan makin berkembang ke depan. Membangun IT solutions, behavior, dan awareness dalam ekosistem perbankan bukanlah perkara yang mudah karena melibatkan seluruh entitas dalam ekosistem untuk berkontribusi. Lalu, bagaimana tingkat kematangan dan ketahanan perbankan di Indonesia terhadap risiko siber? Apa saja jenis kejahatan siber yang sering terjadi dalam ekosistem perbankan serta solusi mitigasinya? Bagaimana upaya untuk membangun IT solution, behavior, dan awareness dalam ekosistem perbankan sebagai upaya pencegahan kejahatan siber? Sejauh mana infrastruktur regulasi maupun keamanan yang telah dibangun? Bagaimana peran dan tantangan masing-masing entitas dalam mewujudkan ketahanan sistem keuangan dari serangan siber?.

Kegiatan webinar ini dirancang untuk memberikan pemahaman yang mendalam bagi masyarakat, khususnya nasabah sektor keuangan terkait kejahatan siber, ketahanan, serta kemampuan industri perbankan untuk menangkis serangan siber. Selain itu, webinar ini juga diharapkan dapat mendorong transisi perubahan pola pikir dan meningkatkan kesadaran masyarakat, khususnya nasabah industri keuangan, untuk turut berpartisipasi dalam memerangi cyber crime di industri keuangan sesuai perannya sebagai nasabah yang cerdas dan waspada.

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May 27 2022
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28,541 thoughts on “CYBER CRIME EMERGENCY; Developing IT Solutions, Behavior, and Awareness in the Banking Ecosystem”

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