Journal of Business, Finance, and Banking
Vol. 2 No. 2 (2026): Journal of Business, Finance, and Banking (JBFB)

Data Breach and Data Leak as a Threat in XYZ Bank: Risk Management Steps

Mercurius Broto Legowo (Perbanas Institute)
Rachel Desica Patricia (Perbanas Institute)
Nabilah Rahsa (Perbanas Institute)
Nurraimi Batrisyia (Universiti Islam Sultan Sharif Ali)
Siti Rosmah Julia (Universiti Islam Sultan Sharif Ali)



Article Info

Publish Date
21 Jul 2026

Abstract

The rapid digital transformation in the banking sector has significantly increased exposure to cybersecurity threats, particularly data breaches and data leak incidents. These threats may compromise the confidentiality, integrity, and availability of sensitive customer and organizational information, resulting in financial losses, reputational damage, and regulatory sanctions. This study aims to analyse the risks associated with data breaches and data leaks in Banking XYZ and propose appropriate risk management measures using the COBIT 5 framework, specifically the APO12 (Manage Risk) and DSS05 (Manage Security Services) domains. The research employs a qualitative descriptive approach using literature review and risk analysis based on COBIT 5 processes. The findings indicate that both Data Breach and Data Leak are categorized as high-risk threats due to their high likelihood and significant business impact. The APO12 domain facilitates systematic risk identification, assessment, evaluation, and monitoring, while DSS05 supports the implementation of operational security controls. Furthermore, the study highlights that security measures such as Multi-Factor Authentication (MFA), Data Loss Prevention (DLP), Security Information and Event Management (SIEM), and continuous security monitoring are essential to mitigate cybersecurity risks. The study concludes that the COBIT 5 framework provides an effective, structured approach to strengthening information security governance and enhancing cyber resilience in the banking industry.

Copyrights © 2026






Journal Info

Abbrev

jbfb

Publisher

Subject

Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Social Sciences Other

Description

The Journal of Business, Finance, and Banking (JBFB) is a scientific journal published by the Perbanas Institute in collaboration with the Indonesian Chamber of Commerce and Industry (KADIN). JBFB is dedicated to providing a platform for academics and practitioners to publish their quantitative and ...