Banking & Financial Services

Cyber Security & GRC untuk Industri Perbankan dan Jasa Keuangan

Lindungi aset digital, sistem pembayaran, dan data nasabah dengan framework keamanan yang memenuhi standar regulasi BI, OJK, dan internasional

75%
Institusi Finansial Mengalami Cyber Attack di 2024
Rp 45M
Rata-rata Kerugian per Insiden Ransomware Banking
24/7
Monitoring Diperlukan untuk Sistem Kritis
Lihat Solusi Keamanan Konsultasi Gratis

Memenuhi Standar Regulasi:

POJK TIK OJK
BI Sistem Pembayaran
PCI DSS
ISO 27001
NIST Cybersecurity Framework
Industry Challenges

Tantangan Keamanan Siber di Industri Keuangan Indonesia

Sektor perbankan dan jasa keuangan menghadapi lanskap ancaman yang kompleks dan terus berkembang

Cybersecurity awareness. People use laptop with padlock icons for secure internet network access, protect financial data transactions from cyber attack, user privacy information security encryption.
Tren 2024-2025

300% peningkatan serangan terhadap API banking dan mobile banking apps

Kompleksitas Infrastruktur Legacy

Banyak bank masih mengoperasikan core banking system dengan teknologi lama yang sulit di-patch dan rentan terhadap eksploitasi. Integrasi dengan sistem digital baru menciptakan gap keamanan.

Transformasi Digital & Mobile Banking

Akselerasi layanan digital membuka permukaan serangan baru: mobile apps, API endpoints, third-party integrations, dan payment gateways yang harus diamankan secara menyeluruh.

Tekanan Regulasi yang Ketat

POJK 11/2022 (TIK OJK), PBI tentang Sistem Pembayaran, PCI DSS 4.0, dan ISO 27001 menuntut compliance yang komprehensif dengan konsekuensi sanksi yang berat.

Sophisticated Threat Actors

Dari organized crime syndicates, nation-state actors, hingga insider threats—sektor finansial menjadi target utama karena immediate financial gain dan high-value data.

Statistik Ancaman Siber Sektor Finansial Indonesia 2024

68%
Insiden Phishing Target Bank
45%
Malware Banking Trojan
$3.2M
Avg. Ransomware Demand
72hrs
Avg. Detection Time
Threat Landscape

Ancaman Siber Utama di Perbankan Indonesia

CRITICAL

Ransomware Banking

Serangan ransomware menargetkan core banking system, payment infrastructure, dan database nasabah. Enkripsi sistem kritis dapat menghentikan operasional dan menyebabkan kerugian miliaran rupiah.

Attack Vectors:

  • • Phishing email ke staff internal
  • • RDP brute force & credential stuffing
  • • Exploitasi vulnerability VPN/Firewall
  • • Supply chain compromise
Avg. Downtime: 3-7 hari
HIGH RISK

Card Fraud & Payment Fraud

Fraud pada transaksi kartu kredit/debit, payment gateway, dan digital wallet melalui skimming, carding, account takeover (ATO), dan man-in-the-middle attacks.

Common Schemes:

  • • Card-not-present (CNP) fraud
  • • SIM swap untuk bypass OTP
  • • Malicious mobile banking apps
  • • API manipulation & replay attacks
Losses: Rp 2.3T annually (ID)
HIGH IMPACT

Data Breach & Exfiltration

Pencurian data nasabah, informasi kartu kredit, PII (Personally Identifiable Information), dan transaksi keuangan yang dijual di dark web atau digunakan untuk fraud lanjutan.

Data at Risk:

  • • KTP, NPWP, data pribadi nasabah
  • • Credit card PAN & CVV
  • • Account credentials & PIN
  • • Transaction history & balances
Compliance Risk: POJK & PDP
EMERGING

DDoS & Service Disruption

Distributed Denial of Service attacks yang melumpuhkan internet banking, mobile apps, ATM networks, dan payment processing—menyebabkan service unavailability dan reputational damage.

Target Services:

  • • Internet banking portals
  • • Mobile banking APIs
  • • ATM & EDC networks
  • • Core banking interfaces
Downtime Cost: $50K-$500K/hour
INSIDER

Insider Threats

Ancaman dari dalam organisasi: employee dengan privileged access yang melakukan fraud, data theft, atau sabotase—baik disengaja maupun tidak disengaja akibat kelalaian.

Insider Scenarios:

  • • Unauthorized fund transfers
  • • Customer data exfiltration
  • • Privilege abuse & manipulation
  • • Credential sharing & weak controls
Prevention: IAM & Monitoring
PERVASIVE

Social Engineering & Phishing

Teknik manipulasi psikologis untuk mendapatkan kredensial banking, OTP, atau data sensitif melalui phishing emails, vishing (voice phishing), smishing (SMS phishing), dan fake banking apps.

Tactics Used:

  • • Fake bank notification emails
  • • Phone call impersonating bank staff
  • • Malicious QR codes for payments
  • • Fake prize/promotion campaigns
Mitigation: Security Awareness
Use Cases

Solusi Keamanan untuk Banking & Financial Services

End-to-end cybersecurity solutions yang dirancang khusus untuk memenuhi kebutuhan industri perbankan dan jasa keuangan

Core Banking System Security Assessment

Penetration Testing & Vulnerability Assessment untuk Sistem Perbankan Inti

UC-01

Business Challenge

Bank mengoperasikan core banking system (CBS) dengan teknologi lama (mainframe, AS/400) yang mengalami integrasi dengan channels digital modern. Gap security antara legacy systems dan modern interfaces menciptakan vulnerability yang dapat dieksploitasi.

Risk: Unauthorized access, transaction manipulation, data breach pada customer accounts, dan potential complete system compromise.

KRES Solution

  • Application Penetration Testing pada CBS interfaces (API, web services)
  • Database Security Assessment untuk customer data & transaction records
  • Network Segmentation Review antara CBS dan digital channels
  • Access Control Audit terhadap privileged accounts
  • Patch Management Gap Analysis untuk legacy systems

Deliverables & Outcomes

Comprehensive Security Report

Detailed vulnerability findings, risk ratings (CVSS), dan exploit scenarios

Prioritized Remediation Roadmap

Action plan dengan timeline dan resource requirements

Compliance Mapping

Gap analysis terhadap POJK TIK, ISO 27001, dan PCI DSS

Executive Summary Presentation

Business-focused presentation untuk Board dan management

Compliance Benefits
POJK 11/2022
ISO 27001
PCI DSS
BI Oversight

Mobile Banking & API Security Testing

Secure Digital Channels & Third-Party Integrations

UC-02

Business Challenge

Adopsi massive mobile banking dan open banking APIs mengekspos bank kepada risiko: API vulnerabilities, mobile app reverse engineering, insecure data storage, man-in-the-middle attacks, dan unauthorized third-party access.

KRES Solution

  • Mobile App Penetration Testing (iOS & Android)
  • API Security Assessment (REST, SOAP, GraphQL)
  • Authentication & Authorization Testing (OAuth, JWT)
  • Binary Analysis & Code Obfuscation Review
  • SSL/TLS Configuration & Certificate Pinning
  • Third-Party SDK Security Review

Key Findings & Fixes

Common Vulnerabilities Found
  • • Insecure data storage (credentials, PII)
  • • Broken authentication & session management
  • • API rate limiting bypass
  • • Insufficient transport layer protection
  • • Client-side injection (SQLi, XSS)
Secure Development Recommendations
  • • Implement secure coding practices (OWASP)
  • • API gateway dengan WAF & rate limiting
  • • Strong encryption untuk data-at-rest
  • • Multi-factor authentication (MFA)
  • • Runtime Application Self-Protection (RASP)
Expected Results
Reduction in mobile app vulnerabilities 85%+
API security posture improvement 90%+
Compliance with OWASP Mobile Top 10 100%

GRC & Regulatory Compliance Program

POJK TIK, BI, PCI DSS, ISO 27001 Implementation

UC-03

Regulatory Landscape

Bank dan lembaga keuangan di Indonesia wajib comply dengan multiple regulations yang overlap dan kompleks. Non-compliance mengakibatkan sanksi administratif, denda, bahkan pencabutan izin operasional.

POJK 11/2022 - Penyelenggaraan TIK

Manajemen risiko TIK, security controls, incident management, audit, dan business continuity untuk Lembaga Jasa Keuangan

PBI - Sistem Pembayaran

Keamanan payment gateway, transfer dana, e-wallet, dan interoperabilitas sistem pembayaran

PCI DSS 4.0

Payment Card Industry Data Security Standard untuk melindungi cardholder data

KRES GRC Services

  • Gap Assessment terhadap POJK, BI, PCI DSS, ISO 27001
  • Policy & Procedure Development
  • Risk Assessment & Treatment Plans
  • Internal Audit & Readiness Assessment
  • CISO as a Service untuk GRC oversight

Implementation Roadmap

Phase 1: Assessment & Planning
Month 1-2

Gap analysis, risk assessment, compliance roadmap development

Phase 2: Policy & Controls
Month 3-5

Develop policies, implement security controls, IAM, encryption

Phase 3: Documentation & Training
Month 6-7

Prepare documentation, conduct awareness training, readiness review

Phase 4: Audit & Certification
Month 8-9

Internal audit, external certification audit, remediation

Compliance Achievements
100%
Policy Coverage
95%+
Control Effectiveness
Zero
Major Non-Conformities
9-12mo
To Full Compliance

24/7 SOC & Threat Intelligence Monitoring

Managed Security Operations Center untuk Banking

UC-04

Operational Challenge

Bank memerlukan real-time threat detection dan incident response untuk mengamankan transaksi finansial 24/7. Membangun in-house SOC membutuhkan investasi besar dalam teknologi, talent, dan operasional.

MSSP SOC Solution

Monitoring & Detection
  • • SIEM integration & log correlation
  • • Network traffic analysis (NTA)
  • • Endpoint Detection & Response (EDR)
  • • Threat intelligence feeds
  • • Behavioral analytics (UEBA)
Incident Response
  • • 24/7/365 SOC analyst coverage
  • • Incident triage & escalation
  • • Threat containment & eradication
  • • Forensic investigation
  • • Post-incident reporting
Use Cases Covered
Ransomware detection & containment
Fraud transaction monitoring
Data exfiltration prevention
Insider threat detection
DDoS attack mitigation
Regulatory compliance logging
Response Metrics
< 15min
Alert Triage Time
< 1hr
Critical Incident Response
99.9%
SOC Uptime SLA
Cost Savings vs In-House
SIEM & Tools 70% savings
SOC Analysts (24/7) 65% savings
Threat Intel 80% savings

Incident Response & Digital Forensics (DFIR)

Ransomware Recovery & Breach Investigation

UC-05

Crisis Scenarios

Ransomware Encryption

Core banking terkunci, attacker menuntut $2M, deadline 48 jam

Data Breach

Jutaan customer records bocor di dark web, perlu investigasi forensik

Insider Fraud

Suspicious fund transfers, perlu bukti digital untuk investigasi legal

DFIR Methodology

1
Containment & Preservation

Isolate affected systems, preserve evidence, prevent further damage

2
Evidence Collection

Disk imaging, memory dumps, network captures, log collection

3
Analysis & Attribution

Timeline reconstruction, malware analysis, identify attack vectors

4
Recovery & Remediation

System restoration, vulnerability patching, security hardening

5
Reporting & Legal

Forensic report, OJK/BI notification, legal evidence preparation

Forensic Capabilities

Disk & Memory Forensics

Analysis of deleted files, registry, browser history, malware artifacts

EnCase FTK Volatility X-Ways
Network Forensics

PCAP analysis, traffic reconstruction, C2 communication detection

Wireshark NetworkMiner Zeek
Malware Analysis

Reverse engineering, behavioral analysis, IOC extraction

IDA Pro Ghidra Cuckoo
Success Metrics
Incident Containment Time < 2 hrs
Recovery Time Objective (RTO) < 24 hrs
Evidence Admissibility 100%
Root Cause Identification 95%+

Security Awareness Training untuk Banking Staff

Mitigasi Human Factor dalam Cyber Security

UC-06

The Human Factor

82% cyber incidents melibatkan human element—phishing, social engineering, weak passwords, atau kelalaian dalam handling data sensitif. Employee awareness adalah first line of defense.

Common User Mistakes
  • Clicking phishing emails yang mengaku dari bank
  • Menggunakan password lemah atau reuse password
  • Sharing credentials dengan colleague
  • Unintentional data leakage via USB/email
  • Working on sensitive data di public WiFi

Training Modules

Cyber Security Fundamentals
Phishing & Social Engineering
Password Management & MFA
Data Protection & Privacy (PDP)
Mobile & Remote Work Security
Incident Reporting Procedures

Training Delivery & Assessment

E-Learning Platform

Interactive online modules dengan video, quizzes, dan gamification

Self-paced Mobile-friendly Progress tracking
Classroom Workshops

Interactive sessions dengan case studies dan hands-on simulations

Role-based Scenario-driven Certified trainers
Phishing Simulation

Real-world phishing tests untuk mengukur awareness dan response

Monthly campaigns Click rate tracking Remedial training
Training Impact
Phishing Click Rate Reduction 75%
Security Incident Reports +180%
Users report suspicious activities proactively
Compliance Rate (Annual Training) 98%
Business Impact

Dampak Bisnis & Risiko Regulasi

Kerugian Finansial

Ransomware Impact

Rp 45M - Rp 150M
  • • Ransom payment (avg $2-3M)
  • • Downtime losses ($50K-$500K/hr)
  • • Recovery & forensics costs
  • • Reputational damage & customer churn

Fraud Losses

Rp 2.3T annually
  • • Payment card fraud
  • • Account takeover (ATO)
  • • Mobile banking fraud
  • • Internal embezzlement

Data Breach Costs

Rp 38M per incident
  • • Investigation & forensics
  • • Customer notification costs
  • • Credit monitoring services
  • • Legal & regulatory fines

Operational Impact

3-7 days
Avg. Recovery Time
40%
Customer Churn Rate
85%
Reputation Damage
6-12mo
Brand Recovery Period

Sanksi Regulasi

OJK - POJK 11/2022 (TIK)

Sanksi Administratif:

  • • Peringatan tertulis
  • • Denda maksimal Rp 100 miliar
  • • Pembatasan kegiatan usaha
  • • Pembekuan kegiatan usaha tertentu
  • • Pencabutan izin usaha

Bank Indonesia - Sistem Pembayaran

Konsekuensi Non-Compliance:

  • • Teguran tertulis
  • • Pembekuan sementara layanan payment
  • • Denda sesuai PBI
  • • Revoke izin penyelenggara sistem pembayaran

PDP (Perlindungan Data Pribadi)

Data Breach Penalties:

  • • Denda administratif hingga 2% dari pendapatan
  • • Ganti rugi kepada korban
  • • Publikasi wajib insiden breach
  • • Class action lawsuits

PCI DSS Non-Compliance

Card Brand Penalties:

  • • Monthly fines: $5,000 - $100,000
  • • Card replacement costs
  • • Fraud liability increase
  • • Loss of payment processing privileges
Security Framework

Pendekatan Pengamanan & Tata Kelola KRES

Framework keamanan berlapis dengan governance yang kuat

Defense-in-Depth Strategy

Multi-layered security controls untuk melindungi people, process, dan technology

People & Culture

  • • Security awareness training
  • • Phishing simulation campaigns
  • • Role-based access control (RBAC)
  • • Background screening
  • • Segregation of duties (SoD)

Process & Governance

  • • Risk management framework
  • • Change management procedures
  • • Incident response playbooks
  • • Vendor risk management (TPRM)
  • • Business continuity planning (BCP)

Technology Controls

  • • Network segmentation & firewalls
  • • Endpoint protection (EDR)
  • • Data encryption (at-rest & in-transit)
  • • SIEM & SOC monitoring
  • • Vulnerability & patch management

5 Pillars Cyber Security Banking

IDENTIFY

Asset inventory, risk assessment

PROTECT

Access control, encryption, training

DETECT

SOC monitoring, anomaly detection

RESPOND

Incident response, containment

RECOVER

Business continuity, lessons learned

Siap Mengamankan Institusi Finansial Anda?

Konsultasikan kebutuhan cyber security dan compliance Anda dengan tim expert kami. Dapatkan free assessment dan customized security roadmap untuk bank atau lembaga keuangan Anda.

Request Security Assessment Email Us

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+62 877 3377 8880

Response Time

< 15 menit

Certified Team

CISSP, CISA, CEH, OSCP