Essential Knowledge: Common Fraud Methods in the Digital Era

Many individuals fall victim to crimes in the digital era due to a lack of awareness or negligence in managing confidential personal data.

This was acknowledged by Hari Mulyana, Vice President at PT Bank Mandiri (Persero) Tbk. In response to these risks, he advised the public to be more cautious when using social media and to maintain the confidentiality of personal data, particularly regarding phishing.

As is widely known, phishing is a fraudulent practice designed to trick victims into sharing personal data, passwords, or One-Time Passwords (OTP) through fake links.

“Currently, there are many diverse offers on social media. We must be selective in distinguishing which transactions do not pose a risk to us. Regarding OTPs, never provide your OTP to anyone else. This includes your own partner; they perhaps do not need to know,” he stated during the Lampung Financial Festival at Novotel Bandar Lampung on Sunday (6/9/2026).

Secondly, he addressed card skimming, which involves the theft of ATM and credit card data using illegal reading devices on ATM or EDC machines.

“Regarding credit cards, protect the last three digits of the card; let us all guard our accounts. We are the ones managing and controlling the risks. Therefore, regardless of what occurs,” he explained.

Regarding mobile applications, Bank Mandiri currently offers Livin’ by Mandiri. The application is considered to have robust security with multi-layered protection to safeguard user transactions.

He further advised that if anything suspicious occurs, individuals should immediately contact the official Bank Mandiri call centre.

“If there is something suspicious, there is the Livin’ call, which is free of charge, and you can block your card via the Livin’ app. From the banking side, we are present not only through digital applications but also through risk mitigation; however, the active role of the customer is also required,” he clarified.