Tren Keamanan Siber dan Evolusi Fraud Pada Sektor Perbankan di Era Digital

Jum'an

AML/CFT Journal The Journal of Anti Money Laundering and Countering the Financing of Terrorism
Vol 4 No 1 (2025)

Advances in digital technology continue to generate increasingly sophisticated strategies aimed at exploiting vulnerabilities and targeting financial platforms and their customers. Within the banking industry, it has become evident that financial crimes no longer stem solely from internal actors but also from cyberattacks carried out by hackers. The rising number of media reports documenting fraud cases affecting numerous organizations, particularly banks, and the resulting financial and non-financial losses have drawn significant public attention. The disclosure of numerous fraud cases in the banking sector through mass media has served as a striking reminder to companies that fraud is an unavoidable reality. This study employs a qualitative approach using descriptive methods to facilitate a clearer understanding of emerging crime trends, both in cybersecurity and in fraud schemes, that are frequently experienced by the public, particularly within the banking sector. As fraud-related threats and financial crimes directed at the banking sector continue to escalate rapidly, driven by ongoing digital advancements, banking institutions must be prepared to deliver comprehensive and proactive responses. Several cybersecurity trends require heightened vigilance within the banking industry. First, ransomware has emerged as a major global threat affecting organizations worldwide. Second, the persistent risks associated with remote work have increased the potential for cybersecurity vulnerabilities within the banking sector. Third, cloud-based cyberattacks have become increasingly prevalent as more software systems and data are stored on cloud platforms. Fourth, social engineering can occur in various forms, including phishing and whaling attacks, as well as the distribution of fraudulent invoices disguised as legitimate communications. Fifth, supply chain attacks, a method of disseminating malware through compromised third-party systems, are becoming increasingly popular among cybercriminals. The rapid advancement of technology has significantly transformed how people engage in banking activities. Today, individuals can perform online banking transactions digitally through their smartphones. This development inevitably requires the banking sector to provide secure and trustworthy online banking services. Among the most common forms of fraud experienced in online banking transactions are social engineering and phishing schemes.