Threat of Data Theft (Phishing) Amid Trends in Fintech Users During the Covid-19 Pandemic (Study Phishing In Indonesia)


Ancaman Pencurian Data (Phishing) Di Tengah Trend Pengguna Fintech Pada Pandemic Covid–19 (Study Phishing Di Indonesia)


  • (1) * Fitri Nur Latifah            Universitas Muhammadiyah Sidoarjo, Universitas Airlangga  
            Indonesia

  • (2)  Imron Mawardi            Universitas Airlangga Surabaya  
            Indonesia

  • (3)  Bayu Wardhana            Universitas Muhammadiyah Sidoarjo  
            Indonesia

    (*) Corresponding Author

Abstract

The purpose of this research is to find out the extent of the crime of data theft
(phishing) in fintech and how to anticipate it in Indonesia in the midst of the
Coronavirus Pandemic that has hit Indonesia in recent years. The COVID-19 pandemic
has had an impact on all community activities. The existence of social distancing
and physical distancing policies has made changes to community activities, including
financial services. The use of technology-based financial services or what is often
termed financial technology has now become a trend and habit in the community.
The literature review research method that we use in this study uses sources from
several literacies such as books, journal articles, media reports and so on.
The results of this study that phishing is currently found in several models of crime
and there are several efforts to prevent this crime from becoming more widespread.

Author Biographies

Imron Mawardi, Universitas Airlangga Surabaya
Islamic Economics
Bayu Wardhana, Universitas Muhammadiyah Sidoarjo
Islamic Economics

References

Ahmad, I. F. (2020). Asesmen Alternatif Dalam Pembelajaran Jarak Jauh Pada Masa Darurat Penyebaran Coronavirus Disease (Covid-19) Di Indonesia. PEDAGOGIK: Jurnal Pendidikan, 7(1), 195–222. https://doi.org/10.33650/pjp.v7i1.1136 DOI: https://doi.org/10.33650/pjp.v7i1.1136

Angsito, F. K. (2018). Pengaruh Cyber Crime Terhadap Cyber Security Compliance Di Sektor Keuangan. Jurnal Akuntansi Bisnis, 11(2), 99–110. https://doi.org/10.30813/jab.v11i2.1382 DOI: https://doi.org/10.30813/jab.v11i2.1382

Anjani, Z. A. H. (2020). Efektivitas Pembelajaran Jarak Jauh Pada Masa Pandemi Covid-19. Research and Development Journal of Education, 1(1), 131. https://doi.org/10.30998/rdje.v1i1.7659 DOI: https://doi.org/10.30998/rdje.v1i1.7659

Bank Indonesia. (2019). Blueprint Sistem Pembayaran Bank Indonesia 2025 Bank Indonesia : Menavigasi Sistem Pembayaran Nasional Di Era Digital. Jakarta.

Damayanti, L. S. (2020). Implementasi E-Learning Dalam Pembelajaran Bahasa Inggris Di Pendidikan Tinggi Pariwisata Di Bali Selama Pandemi Covid-19. Journey : Journal of Tourismpreneurship, Culinary, Hospitality, Convention and Event Management, 2(2), 63–82. https://doi.org/10.46837/journey.v2i2.48 DOI: https://doi.org/10.46837/journey.v2i2.48

Direktorat Identifkasi Kerentanan dan Penilaian Risiko Infrastruktur Informasi Kritikal Nasional. (2020). Profil Risiko Sektor Perbankan Tahun 2020. Jakarta.

Disemadi, H. S. (2021). Fenomena Predatory Lending: Suatu Kajian Penyelenggaraan Bisnis Fintech P2P Lending selama Pandemi COVID-19 di Indonesia. Pandecta Research Law Journal, 16(1), 55–67. Retrieved from https://journal.unnes.ac.id/nju/index.php/pandecta/article/view/26860

Flyer, A. (2020). The State of Finance App Marketing in APAC. Retrieved from https://www.appsflyer.com/infograms/state-of-finance-apac/

Gunawan, A. G. W. (2018). Analisis Serangan Web Phishing Pada Layanan E - commerce dengan Metode Network Forensic Process. Jurnal Terapan Teknologi Informasi, 2(2), 147–157. https://doi.org/10.21460/jutei.2018.22.103 DOI: https://doi.org/10.21460/jutei.2018.22.111

Hendrianto, A. D. E. T. A. C. I. (2020). Efektifitas Paparan Sinar UV dan Alkohol 70 % Terhadap Total Bakteri Pada Uang Kertas Yang Beredar Di Masa Pandemic Covid - 19. Jurnal Riset Kefarmasian Indonesia, 2(2), 113–121. DOI: https://doi.org/10.33759/jrki.v2i2.88

Iconomics, T. (2019). Pengguna Layanan Fintech Mayoritas Milenial. Retrieved from https://www.theiconomics.com/infographic/pengguna-layanan-fintech-mayoritas-milenial/

Indonesia, A. P. J. I. (2020). Laporan Survei Internet APJII 2019 – 2020. In Asosiasi Penyelenggara Jasa Internet Indonesia (Vol. 2020). Retrieved from https://apjii.or.id/survei

Indonesia, B. S. dan S. N. R. (2020). Rekapitulasi Insiden Web Defacement (Januari - April 2020). In 1 (Vol. 1). Retrieved from https://bssn.go.id/rekap-serangan-siber-januari-april-2020

Indonesia, F. (2020). Curve Of Convenience 2020 Report : The Privacy - Convenience Paradox. Retrieved from https://interact.f5.com/rs/653-SMC-783/images/Curve_of_convenience_2020_report.pdf

Katon, F., & Yuniati, U. (2020). Fenomena Cashless Society Dalam Pandemi Covid-19 (Kajian Interaksi Simbolik Pada Generasi Milenial). Jurnal Signal, 8(2), 134–145. DOI: https://doi.org/10.33603/signal.v8i2.3490

Kementerian Kesehatan Republik Indonesia. (2021). Situasi Terkini Perkembangan (COVID-19). In Kemenkes. Retrieved from https://covid19.kemkes.go.id/download/Situasi_Terkini_050520.pdf

Maliki, M. (2020). Covid-19, Agama, dan Sains. Maarif Institute, 15(1), 60–92. https://doi.org/10.47651/mrf.v15i1.77 DOI: https://doi.org/10.47651/mrf.v15i1.77

Marisa, O. (2020). Persepsi Kemudahan Penggunaan, Efektivitas,Dan Risiko Berpengaruh Terhadap Minat BertransaksiMenggunakan Financial Technology. Jurnal Adminnistrasi Kantor, 8(2), 139–152.

Marzuki, N. Q. (2019). Analisis Akad Murabahah Dan Wakalah Bil Ujrah Pada Pembiayaan Berbasis Teknologi Informasi (Fintech) (Studi Kasus di PT. Dana Syariah Indonesia). Jurnal Al-Mizan, 3(2), 55–74. https://doi.org/10.1017/CBO9781107415324.004 DOI: https://doi.org/10.1017/CBO9781107415324.004

Monica, F. N. L. W. D. R. (2021). Transforming the Baitul Maal Wal Tamwil Business Model through the Patform Design Model. Journal of Physics: Conference Series, 1764(1), 1–8. https://doi.org/10.1088/1742-6596/1764/1/012050 DOI: https://doi.org/10.1088/1742-6596/1764/1/012050

Mustaqim, F. F. H. (2020). Pemanfaatan Electronic Banking Bagi Anggota di KSPPS BMT Bina Ummat Sejahtera Cabang Tayu. MALIA: Journal of Islamic Banking and Finance, 4(2), 148. https://doi.org/10.21043/malia.v4i2.8496 DOI: https://doi.org/10.21043/malia.v4i2.8496

Samputra, R. H. W. I. M. L. (2020). Studi Kebijakan Perlindungan Data Pribadi dengan Narrative Policy Framework: Kasus Serangan Siber Selama Pandemi COVID-19. Jurnal IPTEK-KOM …, 22(2), 143–158. Retrieved from https://jurnal.kominfo.go.id/index.php/iptekkom/article/download/3505/1477

Sugiantari, L. J. A. P. W. (2020). Tanggung Jawab Hukum Pihak Perbankan Dalam Pencurian Data Pribadi Nasabah Dengan Tekhnik Phising Pada Transaksi Perbankan. Prosiding Seminar Nasional FH UNMAS Denpasar, 96–105. Denpasar: UNMAS.

Sulisrudatin, N. (2014). Analisa Kasus Cybercrime Bidang Perbankan Berupa Modus Pencurian Data Kartu Kredit. Jurnal Ilmiah Hukum Dirgantara, 9(1), 26–39. https://doi.org/10.35968/jh.v9i1.296 DOI: https://doi.org/10.35968/jh.v9i1.296

Supriatna, E. (2020). Wabah Corona Virus Disease (Covid 19) Dalam Pandangan Islam. SALAM: Jurnal Sosial Dan Budaya Syar-I, 7(6), 555–564. https://doi.org/10.15408/sjsbs.v7i6.15247 DOI: https://doi.org/10.15408/sjsbs.v7i6.15247

Trisetiyanto, A. N. (2020). Rancang Bangun Alat Penyemprot Disenfektan Otomatis untuk Mencegah Penyebaran Virus Corona. Journal of Informatics Education, 3(1), 45–51.

Value, I. F. B. (2020). COVID-19 cyberwar : How to protect your business. Retrieved from https://www.ibm.com/downloads/cas/Y5QGA7VZ

Wijaya, dityo S. M. R. W. P. D. S. Y. S. S. N. J. N. K. C. W., Annisa&Chyntia, W. M., Jasirwan&OM, & Yunihastuti&Evy. (2020). Coronavirus Disease 2019: Tinjauan Literatur Terkini. Jurnal Penyakit Dalam Indonesia, 7(1), 45–67. https://doi.org/10.7454/jpdi.v7i1.415 DOI: https://doi.org/10.7454/jpdi.v7i1.415

Yang, L., Liu, S., Liu, J., Zhang, Z., Wan, X., Huang, B., … Zhang, Y. (2020). COVID-19: immunopathogenesis and Immunotherapeutics. Signal Transduction and Targeted Therapy, 5(1), 1–8. https://doi.org/10.1038/s41392-020-00243-2 DOI: https://doi.org/10.1038/s41392-020-00243-2

Yenti Sumarni. (2020). Pandemi Covid-19: Tantangan Ekonomi Dan Bisnis. Jurnal Ekonomi Dan Perbankan Syariah, 6(2), 46–58.

Picture in here are illustration from public domain image (License) or provided by the author, as part of their works
Published
2022-04-30
 
Section
Articles