myBCA Bisnis is the latest internet banking service provided by BCA for business customers, offering comprehensive features for business professionals. However, the banking industry is experiencing increasingly sophisticated modes of fraud, including in internet banking services. Perpetrators use various methods to launch their attacks.
Recognizing the common modes used by these fraudsters can help protect you from fraud. It’s also important to be aware of the dangers of malware and the significance of safeguarding personal data.
Get to Know the myBCA Bisnis Fraud Modes
Personal data theft in myBCA Bisnis can occur through Phishing, malware, or social engineering.
1. Phishing
The most commonly used mode by fraudsters is phishing. They send links to potential victims through email, WhatsApp, and social media, targeting business customers who frequently conduct banking transactions via smartphones or laptops.
They impersonate the bank and request customer information. Customers are then asked to click on a provided link. Upon clicking the link, the victim is directed to a website designed to resemble the official bank website. They are then prompted to log in by entering the User ID, Corporate ID, and KeyBCA Response.
The website stores all entered personal data, which can be accessed by fraudsters to gain unauthorized access to the victim’s account.
2. Malware
This is one of the most common methods discussed by internet users. In this scenario, the fraudster or hacker attempts to steal the victim’s data by spreading malware to infect the victim’s device and thereby gaining access to the victim’s data, including myBCA Bisnis.
Hackers can introduce malware by sending malicious APK links or files via WhatsApp or other means. They can also insert malware into fake or unofficial applications/websites that are downloaded by unsuspecting victims.
3. Social Engineering
Another frequently used method is social engineering. In this case, the perpetrator uses psychological manipulation to entice the myBCA Bisnis users with the promise of gifts or by conveying alarming news, causing the victims to feel excited or panicked. The goal is to make the victims act without thinking logically, thus unwittingly providing personal data such as Corporate ID, User ID, and KeyBCA Response.
Social engineering can be carried out through various channels, including WhatsApp or telephone. If the victim divulges all the requested data, the perpetrator can gain direct access to the victim’s myBCA Bisnis account.
Tips to Avoid Business Internet Banking Fraud
You can take preventive measures by increasing your awareness of all potential fraud modes. Here are some tips to avoid internet banking fraud.
1. Verify the Official myBCA Bisnis Website
Beware of business internet banking fraud. Keep these things in mind:
- Make sure the URL is accurate when accessing myBCA Bisnis via a computer or smartphone browser: mybcabisnis.bca.co.id.
- Refrain from accessing and conducting transactions through unfamiliar or similar websites, applications, or emails, particularly if the link originates from an unknown source. Such links may lead to counterfeit websites designed to pilfer personal
- Avoid accessing and transacting on myBCA Bisnis using public WiFi, especially free public WiFi without a password.
2. Be Cautious of Parties Claiming to be from BCA
Be wary of individuals claiming to represent BCA Bank who contact you via WhatsApp, telephone, or social media. If you receive suspicious communication, check the sender’s number or account. If it seems suspicious, ignore or reject the request.
Remember, BCA will never ask for sensitive banking information such as PIN, ATM card number, or KeyBCA Response through web forms, chat, or direct communication.
3. Special Security Tips for Corporate Customers Using myBCA Bisnis
For corporate customers using myBCA Bisnis and designated User ID holders, it’s crucial to protect User ID, KeyBCA, KeyBCA PIN, and KeyBCA Response by:
- Not sharing personal data such as Corporate ID, User ID, and KeyBCA Responsewith others.
- Avoiding writing down Corporate ID, User ID, and KeyBCA Responseon desks, and stations, or storing them in easily accessible written or digital formats.
- Using the Corporate ID, User ID, and KeyBCA Responsediscreetly to prevent others from viewing them.
These tips serve as pre-emptive measures to prevent falling victim to internet banking fraud. For more information about other fraud methods, refer to #AwasModus.