Perlindungan Nasabah KBank Melalui Inovasi Teknologi

IDXchannel

Kasikorn Business Technology Group (KBTG), unit bisnis dari Kasikorn Bank (KBank) asal Thailand, terus berkomitmen mengedepankan transformasi teknologi digital, untuk melindungi nasabah melalui keamanan siber. Perlindungan ini tidak hanya untuk nasabahnya yang berada di Thailand, tapi juga nasabah Maspion Bank yang telah diakuisi KBank.

Transcript

00:00The Indonesian Bank's Revenue and Taxation Regulation

00:04The Indonesian Bank's Revenue and Taxation Regulation again reminds merchants

00:08not to impose additional costs on consumers

00:11for payment transactions using credit cards.

00:15Indonesian Bank's Deputy Governor Filian Ningsih Hendarta explains

00:19that the ban on additional costs on consumers for payment transactions

00:24has been regulated under the Indonesian Bank's Revenue and Taxation Regulation No. 23

00:27in 2021 on the provision of payment services.

00:31Filian Ningsih Hendarta continues to say

00:35that if a merchant imposes additional costs on a consumer,

00:38he or she can be subject to sanctions

00:42because they are included in actions that can be harmful.

00:45There are also sanctions given in the form of a suspension of the payment system service from the Indonesian Bank

00:50to merchants who are proven to have committed harmful actions.

00:54At present, Kris' transactions are known to be popular with the public

00:58due to the number of transactions in the payment system

01:02which rose by 209.61% annually until March 3, 2024.

01:10If a merchant imposes additional costs,

01:13is it allowed? No, it's not.

01:15So, it should be reported.

01:17Because there is a determination of the Indonesian Bank, the PBI-PJB,

01:20in Article 52, which clearly regulates

01:23that the provider of goods and services,

01:26this means merchants,

01:28are prohibited from imposing additional costs on the service user

01:32or above the cost of the service user, this is the buyer,

01:37for the MDR.

01:39So, it's prohibited.

01:40Well, what if the incident is recorded and reported to the PBI-PJB?

01:46Because there will be a sanction in Article 51,

01:49there is a sanction that the PBI-PJB is obliged to suspend cooperation with the merchant.

01:55The chairman of Kasi Korn Business Technology Group or KBTG,

01:58a business unit of Kasi Korn Bank, from Thailand,

02:01is committed to transforming digital technology

02:04and protecting cyber security from its customers,

02:08including bank customers, spy who have been acquired.

02:13Kasi Korn Bank

02:16The development of technology in the hardware sector is getting faster.

02:20The same is done by Kasi Korn Bank

02:22through Kasi Korn Business Technology Group

02:25which strives to protect its customers

02:27through the strengthening of technology infrastructure.

02:31According to Foranuj Dejakaisaya,

02:34Executive Chairman of KBTG,

02:36the party is currently focusing on the development of technology at Bank Maspion.

02:41Starting from data management,

02:43strengthening of technology infrastructure,

02:45as well as innovation in the field of business development.

02:48The party has also coordinated with the Financial Services Authority or OJK

02:52to implement the plan.

03:11We are finding a partner that we can invest together.

03:14As an IT company, we no longer rely on the software package.

03:20We still mix, but again we also have a lot of our people inside

03:24to self-develop our own application.

03:27Foranuj added that Indonesia is a market that is very promising

03:31for the development of digitalization.

03:34Therefore, to support its customers,

03:37K-Bank launched the K-Plus application

03:39which can provide more advanced banking services.

03:44The statement was also said by Chief Information Security Officer of KBTG,

03:48Chathawat Asawarakong.

03:50Cyber security is a serious concern at the moment

03:53to protect all K-Bank customers,

03:56including Bank Maspion customers in Indonesia.

04:00For our customers, it is cyber security.

04:02So if you are a customer and you use the bank service,

04:07and you feel like if you deposit 1,000 baht,

04:12you need to make sure that your money is there,

04:15your data is there,

04:17and nobody else can access to that data.

04:20Nobody else can access or do the transaction on behalf of yourself.

04:24So that is the key.

04:26So that's why cyber security is the team that we are recruited to be the one

04:32who protects this all.

04:35For the development of this technology,

04:37K-Bank has allocated a large budget of 7 trillion rupiah every year.

04:42This budget is not only for the development of technology innovation in Thailand,

04:46but also in Indonesia.

04:49From Thailand, I am Rniawan Triyunanto, IDX Channel.

04:56In the next episode, stay tuned with us.

05:04For more information, visit www.k-bank.com

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