Tips untuk mencegah terjadinya Pembobolan Rekening Bank

TdetikNews : 6 Kiat Menghalau Pembobolan Rekening Bank

Jakarta - Teknologi yang digunakan para penjahat cyber semakin lama juga semakin canggih. Tak ayal, pihak perbankan pun harus memiliki sistem keamanan yang kuat untuk menghadangnya.

Meski demikian, untuk terhindar dari tindak kriminal ini juga diperlukan peran aktif nasabah. Simak 6 kiat untuk menghalau aksi pembobolan rekening ini menurut M. Salahuddien, Wakil Ketua Indonesia Security Incident Responses Team on Internet Infrastructure (ID-SIRTII):

1. Gunakan hanya kartu chip, kalau bank Anda belum memberikan kartu chip, Anda harus minta ganti dan jangan menggunakan untuk transaksi sebelum diganti. Aturan Bank Indonesia (BI) yang baru, sejak Januari 2010 kartu yang resmi dan boleh digunakan hanya kartu jenis chip.

"Cuma saya belum konfirmasi apakah aturan ini untuk kartu kredit saja atau juga untuk kartu atm? Seharusnya semua kartu yang diterbitkan perbankan. kalau di luar negeri, mesin ATM sudah tidak mau menerima kartu non-chip," papar Didin, panggilannya.

2. Lindungi kode 3 angka (CVV2) di belakang kartu Anda. Kecuali untuk otorisasi transaksi online, kode itu tidak akan pernah digunakan untuk transaksi konvensional di mesin ATM, atau di counter EDC merchant. Tutup 3 angka di belakang kartu itu dengan sticker, cellotape apa saja yang tidak transparan

3. Ubah PIN Anda sesering mungkin. Parameternya sederhana, ketika Anda cukur rambut, ganti kaos kaki (karena mulai bau), atau ganti sikat gigi (karena sudah mulai kusut) atau setiap kali cek angin ban kendaraan, itulah saatnya mengganti PIN kartu ATM Anda. Misalnya di pom bensin, biasanya sekarang ada mesin ATM, Anda bisa mengganti PIN ketika sedang transaksi pembelian BBM.

"Itu serius, musuh utama masalah keamanan adalah behaviour manusia itu sendiri, kebiasaan, kelakuan, sebagian besar pembobolan terjadi akibat dari eksploitasi terhadap kelemahan sosial, makanya disebut social engineering," tukasnya.

4. Jangan pernah memberikan informasi pin dan data pribadi yang biasa digunakan untuk otorisasi perbankan kepada siapapun dengan alasan apapun termasuk pada customer service bank, seperti misalnya nama gadis ibu kandung dan lainnya. Kecuali memang yakin bahwa itu prosedur yang harus dilalui. Sebab sekarang banyak sekali pihak ketiga (misalnya perusahaan asuransi) dengan alasan kerja sama dengan pihak bank penerbit kartu, menawarkan produknya secara telemarketing dan Anda diminta memberikan informasi pribadi ini.

"Sialnya apabila ternyata itu bukan dari telemarketing tetapi dari sindikat pelaku fraud, Anda tidak pernah tahu dan tidak bisa melakukan kros cek dalam situasi ini," lanjut Didin.

5. Berhati-hati apabila menerima tawaran dari telemarketing seperti itu, karena biasanya persetujuan yang anda berikan akan diterjemahkan sebagai kesediaan untuk melakukan auto ebet terhadap account anda. Ini berbahaya, lebih baik bila kurang yakin, Anda meminta waktu untuk melakukan konfirmasi kepada bank penerbit apakah benar pihak bank punya kerjasama dengan pihak telemarketing tersebut dan bagaimana aturan main serta risikonya.

"Atau sekalian saja Anda selalu menolak tawaran itu atau cukup tahu nama produk dan siapa penyelenggaranya selanjutnya sebenarnya Anda sendiri bila tertarik bisa insiatif jadi yang balik menghubungi penyelenggara jasa itu dan meminta untuk dilayani. Cara ini lebih aman, walau membutuhkan partisipasi aktif Anda," kata Didin.

6. Awasi terus keberadaan kartu Anda ketika berada di counter merchant, jangan biarkan kartu itu dibawa kemana-mana dan digesek ke mesin yang berbeda berkali-kali. Lebih baik Anda membatalkan transaksi dan tidak usah menandatangani apapun dan laporkan ke bank penerbit apabila curiga dengan kondisi di suatu counter merchant.

Awasi juga kondisi mesin EDC, apakah nampak ada perangkat tambahan atau sambungan kabel tambahan yang mencurigakan. Tapi ini perlu pemahaman teknis, pengguna awam biasanya tentu akan sulit membedakan.

Kita mesti ingat, begitu kita gesek kartu itu, maka semua informasi penting akan tercatat oleh mesin EDC dan sebagian bahkan di print out. Seperti nama, nomor kartu dan tanggal masa berlaku (kadang kala tanggal mulai menggunakan).

Seseorang tidak perlu punya ingatan super untuk menghapal deretan kode angka yang tertera di kartu. Kalau Anda lengah cukup banyak waktu bisa digunakan pelaku untuk mencatat informasi itu (thrasing). Bahkan mereka bisa saling kerja sama misalnya berdua, satu orang sengaja mengalihkan perhatian Anda dan satunya yang membawa kartu mencatat atau bahkan menggesekkan kartu anda ke mesin skimming yang tidak terlihat

The success of banking, more so than any other industry, is based on privilege rather than performance

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You'll be hearing a lot about banker bonuses in the coming weeks. Big banks will officially report "the number," or the average total compensation per employee for 2009.

How much money are we talking about? At trading banks Goldman Sachs (NYSE: GS) and Morgan Stanley (NYSE: MS), this number could be ridiculous -- perhaps $700,000 per employee. It isn't as shocking at commercial banks like Bank of America (NYSE: BAC) and Citigroup (NYSE: C) because the total workforce is substantially larger, made up of tens of thousands of lowly paid tellers and back-office staff. In either case, average compensation masks that a few traders, executives, and department heads can literally make tens of millions of dollars (in some cases upward of $100 million). There's a good amount of skewing here.

For Goldman and Morgan Stanley, here are a few numbers to chew on:

Goldman Sachs               

Metric	2008	2007	2006
Revenue/Employee	$739,000	$1.51 million	$1.42 million
Compensation/Employee	$364,000	$661,000	$622,000
Earnings per Share	$4.47	$24.73	$19.69

Sources: Company filings, author's calculations.

Morgan Stanley

Metric	2008	2007	2006
Revenue/Employee	$479,000	$571,000	$691,000
Compensation/Employee	$262,000	$340,000	$324,000
Earnings per Share	$1.45	$2.98	$7.07

Sources: Company filings, author's calculations.

In all likelihood, 2009's compensation will eclipse 2007's record. That makes people want to scream. That bankers get record pay a year after essentially failing and being saved by taxpayers seems completely absurd. And it is.

Here's my view
Prior to joining The Motley Fool, I did brief (thankfully) stints in investment banking and private equity. This was 2006-2007, when cheap money bubbled out of the drinking fountains.   

At the investment bank, compensation for mid-to-upper level employees was based on deal volume generated. If you put together a $50 million merger, add that to your scorecard. Same with private equity. Private equity firms rarely sell their portfolio holdings, so yearly compensation was typically based on the size of companies purchased. If you helped acquire a $100 million business, add it to your scorecard.

In both cases, you ate what you killed. Employees were paid for performance. This is the argument bankers use to defend their pay: "Yes, we make ungodly amounts of money, but we earn it. Capitalism, my friends."

The problem with this argument is that it doesn't consider what percentage of the "scorecard" comes from bankers' skill and hard work versus factors outside their control, like monetary policy and favorable regulations.

Here's an example: 2006 and 2007 were golden years at the private equity firm. You could finance anything -- anything -- you wanted at ridiculously low interest rates. So-called "deal flow" was endless. Many, many large acquisitions were made, and record compensation followed accordingly.

But were employees earning this pay due to superior intelligence and sophisticated market insight? Ha … ha … ha. Hardly. They were riding a speculative wave of cheap money largely engineered by the Federal Reserve. A large portion of pay was based on factors they had nothing to do with.

This isn't to say bankers aren't hardworking people. There's truth to the saying, "If you don't show up on Saturday, don't bother coming back on Sunday."

But solely attributing their stupendous pay to hard work and skill is fantasy. One columnist recently opined that those decrying banker bonuses "rarely have the numerical skills necessary to put together mergers and trades." Maybe so. But do all bankers themselves have these skills? How about the highly paid mortgage traders whose 2005 models didn't even allow the possibility of declining real estate prices? We can debate whether that took "skill." In many cases, they were simply in the right place at the right time.

That brings us to 2009
Over the past year, substantially all of Wall Street's profits came from fixed-income trading. See for yourself here, here, and here. Moreover, nearly every bank's earnings came from this segment, not just a smart few.

This happened for one of two reasons: (a) Every fixed-income trader suddenly woke up in early 2009 with newfound brilliance; or (b) they're riding the largest wave of cheap money in history, financed by the Fed lending money at 0% that traders then use to buy ultra-safe government securities yielding 2%-4%. Guess which one. Furthermore, Bear Stearns and Lehman Brothers were allowed to die while others seemed chosen at random to be saved, eroding competition for the lucky survivors.

How are these factors -- all completely outside bankers' control -- accounted for when determining compensation? They aren't.

That's what's infuriating about banker pay. It isn't that they're earning mountains of money. It's that they're earning mountains of money based on factors they had nothing to do with. Other companies that employ equally intelligent and driven workers -- Johnson & Johnson (NYSE: JNJ), Google (Nasdaq: GOOG), Microsoft (Nasdaq: MSFT) -- never see that kind of advantage. The success of banking, more so than any other industry, is based on privilege rather than performance.

RBA Australia : Interest rates fell to a 45-year low of 3.25%

Interest rate cut | rates set for all-time low

March 2, 2009 - 12:25PM

The Reserve Bank of Australia is tipped to cut interest rates to a record-low level in March, as the effects of the global downturn threaten to really hit the domestic economy.

Thirteen of 16 economists surveyed by AAP expect the Reserve Bank of Australia to cut the cash rate when it holds its monthly board meeting tomorrow.

The median forecast was for a 50-basis point rate cut, which would take the cash interest rates to a record low of 2.75% when the RBA announces its decision at 2.30pm tomorrow.

The RBA has already slashed interest rates by 400 basis points - or four percentage points - since September.

Interest rates fell to a 45-year low of 3.25% in February following a 100-basis-point rate cut.

A 50-basis-point cut this week will send the cash rate under the all-time low monthly average rate of 2.89% seen in January 1960.

While domestic business data is still strong, many economists say deteriorating conditions among Australia's key trading partners will weigh on the domestic economy in future months.

More optimistic analysts say the recent run of rate cuts and $52 billion in Federal Government stimulus programs will support local demand.

RBC Capital Markets senior economist Su-Lin Ong said a 50-basis-point rate cut in March was a close call, with the RBA near the end of its easing cycle.

"It's going to be a close decision," she said.

"It's pretty clear from the RBA that they are very reluctant to cut any more, but the reason we think a move is justified is the global downturn has worsened since the last board meeting."

Forecast strategist Mike Katz said the RBA would cut by 50 basis points in March before unemployment levels rose sharply.

"The labour market has held up so far," he said.

"The RBA will want to get rates as stimulatory as possible before that pessimistic data starts to be released."

UBS senior economist George Tharenou said the prospect of a technical recession - measured by two consecutive quarters of negative economic growth - in the first half of 2009 justified the need for a 50-basis-point cut this week.

"We expect the RBA to lean against the deteriorating global backdrop and try to support domestic growth and limit the extent of the downturn," he said.

However, ANZ economist Riki Polygenis said the economy was yet to feel the full effects of the large RBA rate cuts since September and that reinforced the case for a smaller, 25-basis-point rate cut in March.

"We think now the RBA clearly has rates at an expansionary setting," Ms Polygenis said.

"It's a good idea for them to keep some in reserve in case the economy deteriorates more sharply later in the year."

Australian Bureau of Statistics data released last week showed capital expenditure by business surged 6% in the December quarter, a much better result than market forecasts for a 3% decline.

AMP Capital Investors chief economist Shane Oliver, who is also tipping a 25-basis-point cut in March, said while the Australian economy was holding up well, a slowdown in the economies of the nation's key trading partners would prompt the RBA to keep cutting rates.

"On the one hand, domestic demand is stronger than expected ... but the global case has been unrelentingly bad and far worse than the Reserve Bank have been factoring in for their figures, particularly countries we trade with like Japan, South Korea and China," Dr Oliver said.

Japan, one of Australia's biggest trading partners, is experiencing its worst recession in three decades, with a slowdown in the global economy causing its exports to fall by 46% in the year to January.

The Australian government has already announced two fiscal stimulus programs, worth a combined $52 billion, to shield the economy from the effects of a possible recession.

From April, farmers, students and low to middle-income earners are due to receive $900 cheques as part of a $12 billion fiscal allocation from the Rudd government's second $42 billion stimulus package.

RBA governor Glenn Stevens told a parliamentary hearing in Canberra earlier in February that big rate cuts, fiscal stimulus programs and a weaker Australian dollar would help support domestic demand in 2009.

Citigroup managing director of economics Paul Brennan said the remarks indicated rates would be left on hold in March.

"They probably want to keep their powder dry for the bad news in the local economy over the next six months," Mr Brennan said.

Commonwealth Bank chief economist Michael Blythe, who also expects rates to stay on hold in March, said the large rate cuts at the end of 2008 were already working to stimulate consumer spending and the housing market.

"Recent RBA commentary seems to imply they have a desire to take a step back and allow time for what they've done to flow through," he said.

ICAP senior economist Adam Carr said while the RBA was likely to cut rates by 50 basis points in March, there was a good chance rates would be raised again by the end of 2009.

"There's very little justification to hold the cash rate that low for so long," he said.