Transaction Security Tips

TRANSACTION SECURITY TIPS VIA SINAYA ONLINE

  • Check the security icon (lock pad) on the browser page, to make sure that you transact through the official BTPN Sinaya Online website. The icon gives you information about the owner of the website.

  • Avoid accessing BTPN Sinaya Online website link through email / SMS / other media which is not sent by BTPN Sinaya official email address or SMS sender.
  • BTPN Sinaya official email address: info.sinaya@btpn.com
  • BTPN Sinaya official SMS sender name: BankBTPN or Bank BTPN
  • Always keep your User ID and Password private. Do not share these information with anyone, particularly on written correspondence such as emails or letters.
  • Do not use “save password” option in a browser installed on a public computer, such as at the internet café, airport or other public places.
  • Beware of scams which are done via telephone, email, SMS or other media that may ask you for confidential/private data, including User ID, Password and Mobile PIN. BTPN Sinaya officers will never ask or inquire for such information.
  • Change your Password on a regular basis with combinations of unique letters/numbers which are difficult to guess by others.
  • Make sure that you transact using secure computer media and not from public computers.
  • Equipped your computer with up-to-date antivirus software.
  • Please immediately contact BTPN Call at (+62) 021 1500300 if you notice any discrepancy or difference in your transaction process flow.

TRANSACTION SECURITY TIPS VIA SINAYA MOBILE

  • Make sure you download BTPN Sinaya Mobile application via BlackBerry App World / Google Play Store / iPhone App Store (depending on the types of your smartphones).

Please find below a sample of BTPN Sinaya Mobile login screen:

  • Make sure you download BTPN Sinaya Mobile application officially developed by PT. Bank Tabungan Pensiunan Nasional Tbk.
  • Only connect to a wireless network which uses network security key or other security forms. It is not recommended to use public Wi-Fi access to transact through BTPN Sinaya Mobile
  • For transaction using BTPN Sinaya Mobile application:
    • Always keep your User ID, Password and Mobile PIN confidential. Never give them to any parties including the BTPN officers.
    • Always logout after you are finished using BTPN Sinaya Mobile.
  • Change your Password on a regular basis with combinations of unique letters/numbers which are difficult to guess by others.
  • Beware of scams which are done via telephone, email, SMS or other media that may ask you for confidential/private data, including User ID, Password and Mobile PIN. BTPN Sinaya officers will never ask or inquire for such information.
  • If you find any discrepancies or differences in your transaction process flow, please immediately contact BTPN Call at (+62) 021 1500300.

Beware of PHISHING!

What is Phishing?

Phishing is the means of fraud committed by certain parties to obtain confidential information / personal customers such as User ID and Password / PIN for the purpose of fraud/crime.

Ways of how Phishing is done::

  • By creating a fake site that the address and layout look similar to the bank's official website.
  • By sending URL link to a counterfeit site which is designed as similar as possible to the bank's official website.
  • By sending email, SMS or BBM which contains a URL link or a login screen and asked the customer to log in by entering User ID and PIN / Password.
  • By pretending to be someone from the bank and ask for the customer’s data with specific reasons.

Tips on how to avoid Phishing:

  • Make sure you only access BTPN Sinaya Online through the official address at http://www.btpnsinaya.com
  • To avoid mistyping BTPN Sinaya Online website address, save the address of the site on the favorites or bookmarks menu. So if you would like to access BTPN Online Sinaya, simply choose from favorites or bookmarks menu.
  • Please keep in mind that BTPN Sinaya never sends emails to Customers as described above. If you receive such an email that seems to come from the BTPN Sinaya, you may want to do below suggestions:
    • Forward the email to info@btpn.com or pass the information to BTPN Call at (+62) 021 1500300.
    • Delete the email
    • If you have already filled out the requested information or you feel that your User ID and PIN are not confidential anymore, please immediately contact BTPN Call at (+62) 021 1500300.

 

Beware of Viruses / Worms, Trojans, Spyware and Bots

Virus / Worm

Virus / worm is a computer program that can spread itself from one computer to another without being realized by the computer owner. Virus / worm can damage the operating system, applications and data on the infected computer.

The difference between virus and worm is on the way its spread. Virus occupies space in storage media (i.e., attached to a file or stored in the hard disk boot sector) and generally spread through USB flash disk, email attachment, a file that is downloaded from the Internet, or through a visit to a web page that deliberately spread the virus. While the worm spreads through network. There is also a joint program between viruses and worms, which is stored on the storage media, but spreads through the network.

Some examples of the impact of virus/worm infections:

  • The computer becomes unstable and often 'hang' (freezed)
  • The computer becomes slow
  • Data stored on the storage media is corrupted/damaged, or being illegally sent to the other party through network.
  • The application does not work properly.
  • The password that is typed in using computer keyboard can be intercepted and sent to the other party for fraud purposes.

 

Trojan

Trojan is a type of virus that masquerades as another file that is secure, i.e., an Excel document attached to the email. The computer user is tricked to perform actions that can spread the trojan, such as opening the attachment that was thought to be a normal file, which in fact contains a trojan program.

After successfully infecting a computer, trojan is able to illegally send important information, such as User ID and Password, to another party or do harmful actions to the infected computer.

 

Spyware

Spyware is a kind of computer program created to 'steal' confidential/personal information from the infected computer and sends it to a specific location on the internet for later taken by the author. The information that becomes its main target, for example: credit card number, User ID and Password / PIN, account numbers, email addresses, etc.

Spyware can be installed via, such as, email attachments, programs that are installed from unverified website or other sources.

However, unlike the virus that is more destructive, spyware works silently in order to not easily being found, so it's easier for it to collect the information/data which is targeted by the spyware creator.

 

Bot (roBot)

Bot is a kind of computer program that can allow the infected computer to be controlled by other people remotely over the network. The Bot creator will be able to do anything with the infected computer.

Generally, the infected computer is being used to spread out Spams, Viruses, Worms, or to attack other computers.

Tips to avoid Virus/Worm, Spyware, and Bot:

  • Protect your computer with an updated antivirus, and make sure that your computer is scanned in real-time.
  • Delete the suspicious email that comes from unrecognized party, and always scan the email attachments before being opened.
  • Equipped your computer with an appropriate security application.
  • Make sure that you are using the updated Operating System and Software.
  • Make sure that you only download files from trusted/verified website and always perform scanning of files that come from the internet before being opened.
  • Perform scanning to a USB flash disk prior to use.
  • Identify the internet transaction process that you normally do. If you find any discrepancies or differences in your transaction process flow, please immediately contact BTPN Call at (+62) 021 1500300.