Beware of the Latest Social Engineering Method: Recognize the Characteristics and How to Avoid It

The convenience of digital banking services has made various financial activities more convenient. However, despite this convenience, the public also needs to be increasingly vigilant against various fraudulent methods that exploit technology. One of the most common methods is social engineering.

The Financial Services Authority (OJK) explains that social engineering is a form of fraud that utilizes psychological manipulation to obtain victims' personal information and banking data. Perpetrators typically create situations that make victims panic, rush, or become curious, leading them to unknowingly provide confidential information.

To avoid becoming a victim, be aware of the following common social engineering methods.

 

Common Social Engineering Methods

1. Sending APK Files

The perpetrator sends files in .APK format via WhatsApp or other messaging apps with catchy names, such as Digital Invitation, Package Photo, or Electronic Traffic Ticket. If these files are downloaded and installed, the device can be infected with malware that risks stealing personal data and information used to access banking services.

 

2. Fake Call Center or Social Media Accounts

The perpetrator creates an account that looks like an official bank account and then contacts customers through the comments section or private messages. The victim is then directed to a conversation via WhatsApp or other media and asked to provide personal data under the pretext of verification or problem resolution.

 

3. Phishing Links Disguised as Prizes or Fund Transfers

The perpetrator sends a message informing the victim that they have won a prize, a lottery, or received a fund transfer. The victim is then asked to open a specific link to verify their data. In reality, the link is a fake website designed to steal personal information and banking data.

 

To ensure transaction security, Bank INA will never request the following information via phone, SMS, WhatsApp, email, or social media:

• One-Time Password (OTP) code
• ATM PIN or Mobile Banking PIN
• User ID and password for digital banking services
• CVV/CVC code on debit or credit cards

Ensure that this information is always kept confidential and not shared with anyone, including those claiming to represent Bank INA.

 

 

How to Avoid Social Engineering

1. Remain calm and don't rush.

Perpetrators often create pressure situations to force victims to make a decision. Before following any instructions, be sure to check the information first.

 

2. Don't carelessly open links or download files.

Avoid opening links or installing files from unknown numbers or parties, especially files in .APK format.

 

3. Use Bank INA's official channels.

If you need information or assistance, be sure to contact Bank INA through the official channels provided.

 

4. Double-check the website address.

Ensure you only access the official Bank INA website before entering personal data or making transactions.

 

 

What Should You Do If You Become a Victim?

If you suspect you've clicked on a suspicious link, installed an unknown app, or shared confidential data, take the following steps immediately:

• Contact Bank INA Customer Service through official channels for help securing your accounts, cards, and access to digital services.
• Immediately change any passwords or PINs associated with banking services.
• Delete suspicious apps from your device and perform a security check to ensure it remains secure.
• Regularly check your transaction history. If you encounter any unrecognized transactions, report them immediately to Bank INA.

 

The security of digital transactions depends not only on the banking system but also on the vigilance of each customer. Therefore, always maintain the confidentiality of your personal and banking data, and ensure you only interact through official Bank INA channels.

 

If you encounter any indication of fraud or require emergency assistance, immediately contact Call INA at 1500 738 or (021) 30500738 for direct assistance from Bank INA. Bank INA customers can also contact the Bank INA Call Center via WhatsApp at 0855 1500738, email [email protected], or visit https://bankina.co.id/en/hubungi-kami.

 

Bank INA is licensed and supervised by the Financial Services Authority and Bank Indonesia and is a participant in the LPS guarantee program.