The issue of personal data security in bank accounts is one of the main problems for people in banking sector. It is because banking customer data contains personal and sensitive information that can be misused by others for criminal acts. Banking customers, who are currently dominated by generation z as potential customers, need to increase their knowledge regarding customer data protection. Based on data from the Financial Services Authority (OJK), the level of financial literacy of generation z is low, at 44.04% or 3.94% lower than the millennial generation.
Departing from this phenomenon, the Finance and Banking Administration study program, Vocational Education Program (PPV), Universitas Indonesia (UI) held a community service activity entitled “Gen Z Saving Movement: Socialization of Legal Protection for Bank Customers” at SMAN 26 Jakarta. Also attending the event were the Head of the Finance and Banking Administration Study Program, Vindaniar Yuristamanda Putri, S.I.A., M.M; the lecturer of the Customer Service Practices course, Gayatri Rejeki, M.M; and representatives from SMAN 26 Jakarta.
The community service is the final project design of the Customer Service Practices course for students to be applied directly to the community. Director of PPV UI, Padang Wicaksono, S.E., Ph.D, said that Vocational UI continues to strive to implement tridarma activities, one of which is community service, in accordance with the curriculum of each study program. “Vocational UI applies a practice-based curriculum that is in accordance with the needs of industry and society. Thus, the implementation of classroom learning can be felt directly by the community. I hope that this financial literacy can continue to other areas so that people receive positive benefits from activities carried out by UI Vocational School inclusively,” said Padang.
The activity, wrapped in the form of socialization, is an innovative initiative designed to strengthen financial literacy among the younger generation. Guided by students of the Finance and Banking Administration study program, the socialization provided practical insights on how to manage money wisely, rights, and obligations as customers, and best practices in banking. Most of the z-generation who will just open a saving account at the bank are high school level. The hope is that they can save in a bank that is more secure because it is protected by OJK and the Deposit Insurance Corporation (LPS).
In her presentation, Vinda said that Indonesian banking is based on economic democracy using the principles of trust, prudence, confidentiality, and knowing the customer. “In accordance with Article 40 Paragraph 1 of Law No. 10 of 1998 concerning Banking, every bank is obliged to keep information about depositing customers and their deposits confidential. So, if there is a leak of personal data, the personal data controller is obliged to notify the failure of personal data protection in writing, including handling and recovery efforts. In addition, the owner of personal data has the right to sue and receive compensation,” Vinda explained.
She added that legal protection of bank customers aims to create a stable, fair and equitable banking environment for all parties involved. It is important to build trust and integrity in the financial system, as well as to improve the protection of customers in conducting banking transactions.
Ayu, a student of SMAN 26 Jakarta, said that the socialization activity on Wednesday (24/4) provided new insights for her and her friends. According to her, banking digitalization has shortcomings such as data leakage. “Through this community service activity from UI Vocational School, we learned a lot of new knowledge about the importance of maintaining personal data for banking needs and how to report it if there is a data leak,” Ayu said.
In this activity, the UI community service team also explained tips that must be done as a bank customer so as not to experience data leakage. Be careful in sharing personal data, such as the front page of a savings book, ID card, or ATM card. In addition, regularly change mobile banking passwords or ATM pins and be careful when using wireless networks (wifi) in public areas to conduct banking transactions via cellphones.
