• Security System

  bank bjb Mobile Banking Security System uses 3 (three) layers of security systems to protect your access and transactions, namely:

  • Advanced Encryption Standard ("AES") AES is a security technology applied on data messaging in order to make it illegible by others.
  • Customer PIN Login as an entry access to bank bjb mobile banking application.
  • Transaction PIN that is used for making transaction .
• Protection of bank bjb Mobile Banking Communication

  Bank Bjb mobile banking uses the Advanced Encryption Standard ("AES") encryption technology to protect communication between your cellphone and bank bjb server during your access to bank bjb Mobile banking. To ensure protection communication as long as you access bank bjb Mobile banking, you can do the following:

  • Check mobile banking application that you are using is an authorized application from bank bjb.
  • Make sure you have logged out once you leave your cellphone even for a short while.
  • You are not advised to access bank bjb mobile banking at an internet stall (Warnet) or at such other network with insufficient security.
• Protection of Access to bank bjb Mobile Banking

  bank bjb requires you to enter PIN Login prior to your access to bank bjb mobile banking. To ensure protection of your access to bank bjb mobile banking, please do the following:

  • Keep your PIN confidential, do not disclose to others.
  • Never disclose your transaction PIN to other person even if such person admits that she/he is a bank bjb employee. bank bjb will never question your PIN.
  • Change your password periodically at bank bjb mobile banking on administration menu > personal information > change password or in case you are not sure about the confidentiality of your password. Never use password which easy to guess.
  • Choose different PIN for bank bjb mobile banking, different with the one you used to access other websites. Contact bjb Call 14049 if you forget your password or in case it is blocked. Follow their instruction as to how to reactivate your mobile banking facility.
• E-mail Address and Protection of Transaction Information

  bank bjb requires you to provide your email address to bank bjb. bank bjb will use your e-mail address to send information on financial transactions you have created through bank bjb internet banking and some non-financial transactions, such as first activation, change your e-mail address, etc. To ensure protection of transmission of information to your e-mail address, please do the following:

  • Provide bank bjb your personal e-mail address. Never use fake e-mail address.
  • Change your e-mail address immediately on bank bjb internet banking if you’ve changed your e-mail address.

Basically, bank bjb mobile banking system or network has supported with maximum security. The condition of bank bjb mobile banking security is at all times monitored and improved in line with the development of technology and current threat. Threat is also experienced by all internet users include bank bjb mobile banking. Therefore, bank bjb requests you as bank bjb mobile banking user to be alert over various types of threats that may occur when accessing bank bjb mobile banking. Tips for security when you access bank bjb mobile banking defined as follows:

• Phising
  Phising deals with fraudulent means used by certain parties to obtain confidential information on a customer such as PIN. Those various means include:
  • Disguised as a bank staff asking for the customer’s data for a particular purpose.
  • Sending e-mail containing log in screen and asking the customer to log in by entering PIN.
  • Sending URL link to a website that resembles bank’s official website which is allegedly fake.
  
  

  Tips for security:

  • Please be advised that bank bjb will never send such kind of e-mail as described above to customer. If you receive e-mail of that kind which seems to be originated from bank bjb, you can directly delete it.
  • If you have already filled in the information requested or feel that your PIN has no longer been confidential, you may immediately contact bjb Call 149049.
• Virus/Worm
  

  Smartphone Virus is computer program made with certain purposes. Generally, virus damages the operation system, application and data in infected smartphone. Various instances of impacts from virus infection include:

  • Smartphone become unstable and frequently “hang” (lagging).
  • Computer becomes slow.
  • Data in Android is deleted.
  • Application program is not usable.
  Worm which looks like a virus is made in order to spread fast to many computers. Though in general worm does not cause damages as the virus does, it may be used to carry various attachments including those of dangerous kind.
  

  Tips for security:

  • Use updated anti-virus in your computer and make sure that your computer is scanned at real-time.
  • A lot of viruses emerge through received e-mail, accordingly you should be more cautious in using e-mail. Delete suspicious e-mail or e-mail coming from an unknown sender, and scan e-mail attachment before opening.
  • You are not advised to access or download files/programs on internet from unknown/allegedly illegal websites.
  • Make sure that both the operation system and application in your computer has been protected by the most recent protection system.

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• Security System
  

  Bjb DIGI uses 3 (three) layers of security systems to protect your access and transactions, namely:

  • bjb PIN SMS when you conduct a transaction using bjb SMS.
  • User ID and Password when you log in to bjb NET.
  • OTP used once you conduct a transaction on bjb NET.
• Protection of bjb DIGI Communication
  

  bjb DIGI uses encryption technology of Secure Socket Layer (SSL) to protect communication between your cellphone and bank bjb server during your access to bjb NET and using crypto messaging encryption technology to secure your communication when making transaction while using bjb SMS. To ensure protection of communication during your access to bjb DIGI, you can do as follows:

  • Check bjb DIGI application that you are using is an authorized application from bank bjb.
  • Make sure you have logged out once you leave your computer even for a short while.
  • You are not advised to access bank bjb internet banking at an internet stall (Warnet) or at such other network with insufficient security.
• Protection of Access to bank bjb DIGI
  bank bjb requires you to enter access code prior to your access to bank bjb DIGI To ensure protection of your access to bank bjb DIGI, please do the following:
  • Keep your access code confidential, do not disclose to others.
  • Never disclose your access code to other person even if such person admits that she/he is a bank bjb employee. bank bjb will never question your access code, password also your PIN.
  • Choose different access code for bank bjb DIGI, different with the one you used to access other websites or application.
  • Contact bjb Call 14049 if you have trouble using bjb DIGI. Follow their instruction on how to solve your problem.

Basically, bank bjb DIGI has supported with maximum security. The condition of bank bjb DIGI security is at all times monitored and improved in line with the development of technology and current threat. Threat is also experienced by all smarthphone application users. Therefore, bank bjb requests you as bank bjb DIGI user to be alert over various types of threats that may occur when accessing bank bjb DIGI. Tips for security when you access bank bjb DIGI defined as follows:

• Clone
  

  Clones deals with fraudulent means used by certain parties to obtain customer information with varios ways including:

  • Make an application using a display that is exactly the same as the application that the user wants.
  • Send e-mails to download an application that eventually ruins the contents of application installed on your smartphone.
  
  

  Tips for security:

  • Download bjb DIGI application from the store designated by your smartphone OS and make sure that application developer is bank bjb.
  • Please be advised that bank bjb will never send such kind of e-mail as described above to customer. If you receive e-mail of that kind which seems to be originated from bank bjb, you can directly delete it.
  • If you have already filled in the information requested or feel that your PIN has no longer been confidential, you may immediately contact bjb Call 149049.
• Phising
  

  Phising deals with fraudulent means used by certain parties to obtain confidential information on a customer such as PIN. Those various means include:

  • Disguised as a bank staff asking for the customer’s data for a particular purpose.
  • Sending e-mail containing log in screen and asking the customer to log in by entering PIN.
  • Sending URL link to a website that resembles bank’s official website which is allegedly fake.
  
  

  Tips for security

  • Please be advised that bank bjb will never send such kind of e-mail as described above to customer. If you receive e-mail of that kind which seems to be originated from bank bjb, you can directly delete it.
  • If you have already filled in the information requested or feel that your PIN has no longer been confidential, you may immediately contact bjb Call 149049.
• Virus / Worm
  

  Smartphone Virus is computer program made with certain purposes. Generally, virus damages the operation system, application and data in infected smartphone. Various instances of impacts from virus infection include:

  • Smartphone become unstable and frequently “hang” (lagging).
  • Computer becomes slow.
  • Data in Android is deleted.
  • Application program is not usable.
  
  Worm which looks like a virus is made in order to spread fast to many computers. Though in general worm does not cause damages as the virus does, it may be used to carry various attachments including those of dangerous kind.
  

  Tips for security:

  • Use updated anti-virus in your computer and make sure that your computer is scanned at real-time
  • A lot of viruses emerge through received e-mail, accordingly you should be more cautious in using e-mail. Delete suspicious e-mail or e-mail coming from an unknown sender, and scan e-mail attachment before opening
  • You are not advised to access or download files/programs on internet from unknown/allegedly illegal websites.
  • Make sure that both the operation system and application in your computer has been protected by the most recent protection system.

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• Security System
  

  bank bjb's ATM uses 3 (three) layers security systems to protect your access and transactions, namely:

  • Secure Socket Layer ("SSL") SSL is a security technology that “encrypts” inter-computer communication channel in order to make it illegible by others.
  • User ID and Password for accessing bank bjb internet banking application
  • One Time Password (OTP), a security code that is sent via Short Message Service (SMS) to your mobile number once you make a transaction.
• Protection of bank bjb ATM Communication
  

  Bank bjb ATM uses standard IT security network technology to protect communications between ATMs and bank bjb servers during your access to bank bjb ATMs. To ensure communication protection during your acces to bank bjb ATM, you can do the following:

  • Keep your PIN confidential, do not disclose to others.
  • Never disclose your PIN to other person even if such person admits that she/he is a bank bjb employee. bank bjb will never question your PIN.
  • Change your PIN periodically at bank bjb ATM on administration menu > personal information > change PIN or in case you are not sure about the confidentiality of your PIN. Never use PIN that easy to guess.
  • Choose different PIN for bank bjb ATM, different with the one you used to access other system security.
  • Contact bjb Call 14049 if you forget your PIN or your ATM blocked. Follow their instruction on how to reactivate your ATM

Tips for the Use of bank bjb Mobile Banking with Better Security Basically, bank bjb ATM system or network has supported with maximum security. The condition of bank bjb ATM security is at all times monitored and improved in line with the development of technology and current threat. Threat is also experienced by all ATM users include bank bjb ATM. Therefore, bank bjb requests you as bank bjb ATM user to be alert over various types of threats that may occur when you use bank bjb ATM. Tips for security when you access bank bjb ATM are as follows:

• Skiming
  

  Skimming deals with fraudulent to obtain credit or debit card information illegaly by copying information contained on magnetic stripe of credit or debit cards. There are various ways including:

  • Perpetrator looks for the targeted ATM machine to install the skimmer. The main criteria are ATM machines with no security guard, vacant one, with no surveillance of CCTV cameras.
  • Perpetrator starts their act to steal customer data by using WiFi pocket router skimmer with modified camera resembling PIN cover on ATM machines to gain customer PIN.
  • Through skimmer tool the perpetrator duplicate magnetic stripe data on ATM card and then clone it into an empty ATM card. This process can be done manually, where the perpetrator returns to ATM room and retrieves the data chip that has been prepared beforehand. Or if perpetrator has used more sophisticated skimmer tools, the collected data can be accessed from anywhere.
  
  

  Tips for security:

  • Replace your ATM with card that supported with chip system. This type of ATM card provides better security by verifying that the physical card is genuine, and not a duplicate or fake ATM card.
  • bank bjb advised safer use of ATMs in the room, not straight-out on the road, which can be accessed more easily by criminals either before or after your transaction
  • Check ATM machine to see if anything suspicious like something has changed or physically damaged. If there is something attached to the built-in card reader (for reading magnetic stripes) or if there is a small camera around the keypad. Avoid using it if something is suspicious.
  • Be alert of environment around you and people in ATM area. Someone behind you might try to catch a glimpse of PIN you entered on the keypad.
  • Cover the lock button when entering your PIN. So that there is no observer or spy camera can see it.
  • If your PIN is blocked immediately contact bjb CALL 14049 and follow their instructions to reactivate your ATM.
  • If you enter the correct PIN but transaction fails, immediately contact bjb CALL 14049 to tell them that there might be a problem with your machine or account.

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