{"id":6312,"date":"2022-04-25T02:47:00","date_gmt":"2022-04-25T02:47:00","guid":{"rendered":"https:\/\/fazz.com\/id\/?p=1942"},"modified":"2024-01-12T15:45:24","modified_gmt":"2024-01-12T08:45:24","slug":"apa-itu-skimming","status":"publish","type":"post","link":"https:\/\/fazz.com\/en\/newsroom\/business\/apa-itu-skimming\/","title":{"rendered":"<p>Pahami Apa Itu Skimming dan Cara untuk Menghindarinya!<\/p>"},"content":{"rendered":"<p>Beberapa waktu lalu, sempat viral di media sosial Twitter tentang seorang nasabah suatu bank yang kehilangan uang di rekening tabungannya. Padahal, ia tidak melakukan transaksi <em>online <\/em>maupun via kartu debit di ATM. Namun, tiba-tiba sejumlah uang di rekening tabungannya ludes karena dimanfaatkan orang tak bertanggung jawab.<p>Tak hanya melakukan tarik tunai, pelaku kejahatan juga menstransfer uang dari rekening korban ke rekening lain. Kejahatan seperti ini disebut dengan <em>skimming <\/em>yang memang rawan terjadi pada siapa saja, termasuk pemilik usaha. Apa itu <em>skimming <\/em>dan bagaimana kiat menghindarinya?<\/p><h2 class=\"wp-block-heading\" id=\"h-apa-itu-skimming-kartu-atm\">Apa itu Skimming Kartu ATM?<\/h2><p>Sebagai pelaku usaha yang mungkin setiap harinya akan melakukan transaksi dalam nominal besar, Anda patut meningkatkan kewaspadaan ketika bertransaksi di mesin ATM. Pasalnya, sekarang ini kejahatan <em>skimming <\/em>di mesin ATM semakin marak dan bisa menyasar siapa saja.&nbsp;<\/p><p><em>Memangnya, apa itu skimming?<\/em><\/p><p><em>Skimming <\/em>adalah bentuk kejahatan berupa pencurian data dan informasi pribadi nasabah bank melalui kartu ATM, baik itu debit maupun kredit. Pelaku <em>skimming <\/em>akan menyalin informasi yang tercantum dalam strip hitam magnetik setiap kartu.<\/p><p><em>Skimming <\/em>dilakukan dengan memodifikasi <em>hardware <\/em>atau <em>software <\/em>alat pembayaran atau menggunakan alat khusus bernama <em>skimmer. Skimmer <\/em>dirancang menyerupai mulut slot ATM sehingga sulit diidentifikasi langsung. Saat Anda memasukkan kartu ke mesin ATM, <em>skimmer <\/em>akan merekam dan menyalin informasi dari kartu tersebut.<\/p><p>Tak selesai sampai di situ, kamera tersembunyi pun ditempatkan di mesin ATM demi mendukung kejahatan <em>skimming. <\/em>Fungsi kamera ini adalah untuk merekam aktivitas korban saat ia memasukkan PIN kartu di <em>keyboard <\/em>mesin ATM. Setelah itu, data yang berhasil disalin dicetak pada kartu kosong. Alhasil, pelaku kejahatan seolah memiliki duplikat kartu ATM korban dan bisa menguras isi rekening.<\/p><h2 class=\"wp-block-heading\" id=\"h-cara-menghindari-skimming-bagi-pemilik-usaha\">Cara Menghindari Skimming bagi Pemilik Usaha<\/h2><p>Sampai di sini, Anda sudah mengetahui apa itu <em>skimming. <\/em>Anda pun sudah mendapat gambaran akan risiko yang terjadi apabila menjadi korban <em>skimming <\/em>saat bertransaksi di mesin ATM. Kini saatnya Anda memahami cara agar tidak menjadi korban. Berikut cara menghindari <em>skimming <\/em>yang bisa Anda terapkan.<\/p><figure class=\"wp-block-image size-large\"><img decoding=\"async\" src=\"https:\/\/fazz.com\/id\/wp-content\/uploads\/sites\/3\/2022\/09\/Fazz-Biz_Blog-Banner_Skimming-ATM-1024x536.png\" alt=\"\" class=\"wp-image-1943\"><\/figure><h3 class=\"wp-block-heading\">Cek mesin ATM sebelum transaksi<\/h3><p>Mengingat <em>skimmer <\/em>yang dipakai untuk menyalin data ini berbentuk seperti mulut slot ATM, maka sebelum memasukkan kartu, coba cek mesin ATM terlebih dulu. Caranya, goyang-goyangkan mulut slot ATM tempat memasukkan kartu. Lalu, pastikan tidak ada benda asing di dekat mesin ATM. Akan lebih aman jika Anda bertransaksi di ATM kantor cabang milik bank.<\/p><h3 class=\"wp-block-heading\">Tutupi dengan tangan saat mengisi pin<\/h3><p>Selain menyalin informasi pada kartu, kejahatan <em>skimming <\/em>juga memanfaatkan gerakan tangan Anda saat menekan tombol <em>keyboard <\/em>untuk memasukkan pin ATM. Maka dari itu, tutupi tangan Anda ketika akan memasukkan PIN agar gerakan menekan PIN tidak terlihat atau terekam. Pastikan pula untuk mengganti PIN secara berkala dan gunakan PIN berbeda untuk tiap kartu ATM yang dimiliki.&nbsp;<\/p><h3 class=\"wp-block-heading\">&nbsp;Manfaatkan fitur <em>cardless<\/em><\/h3><p>Demi menghindari kejahatan <em>skimming, <\/em>Anda bisa memilih fitur <em>cardless <\/em>atau tanpa kartu. Fitur ini sudah tersedia di beberapa layanan perbankan. Dengan fitur <em>cardless, <\/em>Anda dapat bertransaksi tanpa harus memasukkan kartu ke mesin ATM. Mau tarik tunai atau transfer pun bisa. Opsi lainnya adalah transaksi <em>online <\/em>lewat <em>m-banking.<\/em><\/p><h3 class=\"wp-block-heading\">Aman dengan pembayaran melalui fitur Pay Fazz Business<\/h3><p>Untuk lebih amannya, Anda sebagai pemilik usaha dapat menghubungkan bisnis dengan layanan <em>payment solution <\/em>dari Fazz Business (formerly Xfers). Fazz Business (formerly Xfers) adalah platform<em> <\/em>pembayaran yang memungkinkan bisnis untuk terhubung ke jaringan pembayaran di Indonesia. Bisnis Anda bisa menerima pembayaran dengan metode transaksi lokal apa pun setelah terhubung dengan Fazz Business (formerly Xfers). Fazz Business (formerly Xfers) telah tersertifikasi ISO 27001: 2013, yakni standar keamanan ketat yang diadopsi oleh bank dan lembaga keuangan di seluruh dunia. Jadi keamanannya pun sudah terbukti.&nbsp;<\/p><p>Penjelasan mengenai apa itu <em>skimming <\/em>kini sudah Anda dapatkan. Cara menghindari <em>skimming <\/em>pun juga telah Anda ketahui. Demi kelancaran transaksi bisnis dan melindungi keuangan Anda, gunakan fitur Pay yang dibekali dengan sistem keamanan ketat. <em>Yuk<\/em>, cari tahu sekarang!<\/p><\/p>","protected":false},"excerpt":{"rendered":"<p>Beberapa waktu lalu, sempat viral di media sosial Twitter tentang seorang nasabah suatu bank yang kehilangan uang di rekening tabungannya. Padahal, ia tidak melakukan transaksi online maupun via kartu debit di ATM. Namun, tiba-tiba sejumlah uang di rekening tabungannya ludes karena dimanfaatkan orang tak bertanggung jawab. Tak hanya melakukan tarik tunai, pelaku kejahatan juga menstransfer [&hellip;]<\/p>","protected":false},"author":19,"featured_media":7353,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"content-type":"","footnotes":""},"categories":[548],"tags":[216,267,76,71,48,72,74,73,217],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v23.3 (Yoast SEO v23.3) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Pahami Apa Itu Skimming dan Cara untuk Menghindarinya!<\/title>\n<meta name=\"description\" content=\"Anda patut meningkatkan kewaspadaan saat bertransaksi di mesin ATM. Kejahatan skimming di mesin ATM semakin marak terjadi. 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Apa itu skimming?\" \/>\n<meta property=\"og:url\" content=\"https:\/\/fazz.com\/en\/newsroom\/business\/apa-itu-skimming\/\" \/>\n<meta property=\"og:site_name\" content=\"Fazz\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/FazzBusinessSoutheastAsia\" \/>\n<meta property=\"article:published_time\" content=\"2022-04-25T02:47:00+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2024-01-12T08:45:24+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/fazz.com\/wp-content\/uploads\/2022\/04\/Fazzbiz_Blog-Banner_paylater-7.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1200\" \/>\n\t<meta property=\"og:image:height\" content=\"628\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Nida Amalia\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@fazzbusiness\" \/>\n<meta name=\"twitter:site\" content=\"@fazzbusiness\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Nida Amalia\" \/>\n\t<meta name=\"twitter:label2\" content=\"Estimated reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"3 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/fazz.com\/newsroom\/business\/apa-itu-skimming\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/fazz.com\/newsroom\/business\/apa-itu-skimming\/\"},\"author\":{\"name\":\"Nida Amalia\",\"@id\":\"https:\/\/fazz.com\/bi\/#\/schema\/person\/437a90637334b9a5cc6fbb9f3ce3e8b8\"},\"headline\":\"Pahami Apa Itu Skimming dan Cara untuk Menghindarinya!\",\"datePublished\":\"2022-04-25T02:47:00+00:00\",\"dateModified\":\"2024-01-12T08:45:24+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/fazz.com\/newsroom\/business\/apa-itu-skimming\/\"},\"wordCount\":619,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\/\/fazz.com\/bi\/#organization\"},\"image\":{\"@id\":\"https:\/\/fazz.com\/newsroom\/business\/apa-itu-skimming\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/fazz.com\/wp-content\/uploads\/2022\/04\/Fazzbiz_Blog-Banner_paylater-7.jpg\",\"keywords\":[\"apa itu skimming\",\"articles\",\"Bahasa\",\"Business\",\"Fazz\",\"Global\",\"Indonesia\",\"Singapore\",\"skimming adalah\"],\"articleSection\":[\"Business\"],\"inLanguage\":\"en-GB\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\/\/fazz.com\/newsroom\/business\/apa-itu-skimming\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/fazz.com\/newsroom\/business\/apa-itu-skimming\/\",\"url\":\"https:\/\/fazz.com\/newsroom\/business\/apa-itu-skimming\/\",\"name\":\"Pahami Apa Itu Skimming dan Cara untuk Menghindarinya!\",\"isPartOf\":{\"@id\":\"https:\/\/fazz.com\/bi\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/fazz.com\/newsroom\/business\/apa-itu-skimming\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/fazz.com\/newsroom\/business\/apa-itu-skimming\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/fazz.com\/wp-content\/uploads\/2022\/04\/Fazzbiz_Blog-Banner_paylater-7.jpg\",\"datePublished\":\"2022-04-25T02:47:00+00:00\",\"dateModified\":\"2024-01-12T08:45:24+00:00\",\"description\":\"Anda patut meningkatkan kewaspadaan saat bertransaksi di mesin ATM. 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