Saat ini, internet sudah merambah ke seluruh bidang kehidupan mulai dari kesehatan, pendidikan, bisnis, dan lain sebagainya. Bidang perbankan seolah tidak mau ketinggalan dengan kemajuan teknologi informasi. Hal tersebut dibuktikan dengan berkembangnya layanan perbankan yang diselaraskan dengan kemajuan teknologi informasi. Salah satu layanan perbankan yang telah mengikuti kemajuan teknologi informasi adalah layanan Mobile Banking (M-Banking). Di mana layanan ini berfungsi sebagai alternatif melakukan transaksi perbankan secara online. Mobile Banking mempermudah nasabah perbankan dalam melakukan transaksi perbankan seperti cek saldo, bayar tagihan, transfer dana, dan lainnya. Mengingat penggunaan Mobile Banking memanfaatkan internet sehingga sangat rentan terhadap serangan keamanan atau kejahatan. Oleh sebab itu dalam artikel kali ini menjelaskan tentang cara yang dapat dilakukan perbankan untuk melindungi keamanan aplikasi mobile banking.

Cara Melindungi Keamanan Transaksi Mobile Banking dengan Mobile Security

Sesuai namanya, mobile banking merupakan layanan perbankan berbasis aplikasi mobile. Kemudahan yang ditawarkan, mulai dari cara daftar hingga proses transaksi, memungkinkan pengguna untuk melakukan transaksi perbankan di mana pun dan kapan pun. Aktivitas mobile banking pun semakin meningkat karena semua ada dalam genggaman nasabahnya. Namun, jangan sampai kemudahan tersebut membuat Anda lupa akan keamanan transaksi para nasabah. Nah, agar keamanan transaksi mobile banking tetap terjaga, pastikan Anda melakukan sejumlah cara berikut ini.

1. Bermigrasi ke otentikasi pelanggan yang kuat.

Untuk melindungi keamanan dan membuat transaksi lebih aman, perusahaan perlu menerapkan proses autentikasi yang lebih mendalam pada transaksi nasabah. Proses ini membantu memastikan bahwa nasabah adalah pemilik kartu yang sah. Autentikasi pelanggan yang kuat adalah proses di mana identitas nasabah   perbankan akan diverifikasi secara menyeluruh. Dengan kata lain, nasabah harus membuktikan bahwa mereka adalah pemilik kartu yang sah dengan menggunakan dua atau tiga metode autentikasi.

2. Gunakan otentikasi kontekstual dengan analisis perilaku.

Selanjutnya, untuk meningkatkan keamanan mobile banking perusahaan perlu menggunakan penggabungan faktor kontekstual dan perilaku untuk menyesuaikan persyaratan keamanan. Sehingga, memungkinkan sistem keamanan untuk menghitung penilaian risiko yang unik untuk setiap interaksi.  Dengan menerapkan langkah ini, pengguna mobile banking dapat diberikan akses untuk menggunakan aplikasi dan layanan tertentu yang sebelumnya sudah ditentukan oleh administrator TI.

3. Terapkan enkripsi end-to-end.

Alasan mengapa perusahaan perlu menerapkan metode enkripsi karena memperhatikan keamanan privasi pelanggannya. Enkripsi end-to-end mampu mengamankan pesan teks, gambar, suara ataupun video dimana hanya penerima saja yang bisa mengakses pesan tersebut. Terenkripsi secara end-to-end artinya semua pesan nasabah sudah diamankan dan hanya bisa diakses penerima yang dituju.

4. Terapkan mobile security tingkat lanjut.

Perbankan juga perlu memerhatikan solusi untuk atasi tantangan keamanan layanan digital sebagai salah satu fasilitas unggul yang ditawarkan kepada nasabah. Mobile security yang baik merupakan langkah paling penting dalam melindungi keamanan transaksi pelanggan pada layanan perbankan. Hal ini untuk menghindari pelanggaran keamanan yang terjadi pada aplikasi mobile banking yang digunakan nasabah perbankan untuk bertransaksi. Jika pelanggaran keaman tersebut terjadi akan menyebabkan kerugian, sehingga bank harus bertanggung jawab dan menanggung risiko.

Kesimpulannya, Dengan menerapkan solusi mobile security, perusahaan perbankan dapat memastikan aplikasi mobile banking yang digunakan seluruh nasabah terhindar dari berbagai macam jenis ancaman keamanan. Selain itu, dalam menjalankan akselerasi layanan mobile banking, memperhatikan sisi keamanan layanan mobile banking perlu menjadi konsentrasi utama setiap perusahaan perbankan. Sebagai anak perusahaan Phintraco Group yang bergerak di bidang IT Infrastructure, Phintraco Technology menawarkan solusi mobile security sebagai salah satu solusi tepat untuk atasi tantangan keamanan layanan digital banking.

Untuk mempelajari lebih lanjut tentang mobile security, hubungi kami melalui email marketing@phintraco.com.

Referensi:

https://www.onespan.com/blog/how-banks-can-protect-mobile-banking-apps-transactions

Baca juga: Ciptakan Digital Journey Terbaik dengan Menjaga Keamanan Data Nasabah di Industri Perbankan

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Every business owner wants their customers to be satisfied and return for more. However, as time passes, customer expectations will inevitably rise. Therefore, businesses must work harder to anticipate and meet the changing needs of their customers. This is where digital engagement can assist business owners in managing customer expectations. Furthermore, digital engagement can assist business owners in developing relationships with customers and providing a better experience. Given the importance of digital engagement, business owners should understand the 3C formulas for optimizing their company’s digital engagement. So, what exactly are the 3C formulas in digital engagement? Look at the review below!

Understanding Formula 3C in Digital Engagement

Consistent, compelling, and contextual are the 3C of digital engagement optimization. Attention to this 3C will help you understand how to optimize digital engagement as a good starting point for building relationships and emotional closeness with your customers. In addition, even using these three formulas will increase your company’s sales opportunities. Here’s an explanation of the three formulas:

1. Consistent

The first C, consistent (consistent), is important in optimizing digital engagement. To achieve high engagement, you must consistently create content for digital marketing platforms like social media. First, create a plan, then implement a schedule to ensure the original plan uploads the content. Next, create a consistent customer journey across all channels by the image you want to project. If you treat each channel as a separate entity, your business risks losing customers.

2. Compelling

In addition, compelling is an important formula in optimizing digital engagement. Even if you’ve created a consistent customer journey, your target audience will ignore it if it’s not engaging. Creating engaging digital media content aims to persuade the audience to respond to your invitation and take the desired action. For example, accessing your website and possibly purchasing your products. Therefore, use strong words to catch their attention when communicating with them.

3. Contextual

Contextual (Contextual) is the final but not least important point; in fact, this is the ultimate formula—contextual means delivering the right content at the right time based on potential customers’ preferences. You can precisely target your prospects when they are about to make a purchase decision by focusing on specific behavior and demographic. Because your marketing is highly targeted, your conversion value will increase, and your sales will increase.

Implement Formula 3C to Optimize Your Business Digital Engagement

You must first understand these three formulas for optimizing your business’s digital engagement. Then, you can use digital engagement solutions to grow your business through customers. MitraComm Ekasarana can provide the best solution for your business through its business unit, MitraComm Business Process Service or MBPS. The business unit of a subsidiary of Phintraco Group is Indonesia’s leading provider of digital engagement solutions. We provide digital engagement solutions that can be tailored to your specific business requirements. In addition, we provide a solution for managing a business’s relationship with its customers through digital engagement. The trick is to combine the human and technological processes. Digital engagement solutions will assist your business in attracting sales leads, converting them into customers, and retaining existing customers.

For more information about digital engagement, please contact us at marketing@phintraco.com.

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A company’s success is determined by its customers’ satisfaction with its products or services. Some business owners believe that their customers’ expectations match what they have to offer. However, it is not for some business owners who continue building relationships with customers to break down their business silos. As a business owner, you must take the time to understand what your customers truly require. Following that, you must tailor their requirements to your product, service, and customer support team.

Meeting Customer Expectations

Customer expectations are not predictions of what the provider of goods and services will provide but will arise when customers require goods and services. Simply put, customer expectations are what customers believe providers of goods and services should provide. Businesses must ensure that every customer’s expectation about a product or service can be met to meet customer expectations. Businesses must believe that the ultimate goal of starting a business is to meet customers’ expectations. Therefore, a brand or business must constantly make its customers happy and satisfied with the product. This will assist in increasing brand awareness, attracting new customers, retaining customer loyalty, and significantly increasing sales.

How Digital Engagement Can Help You Meet Customer Expectations

Customer expectations have risen, while businesses have been slow to respond. What happens if the company is late meeting customers’ new expectations? Customers will almost certainly abandon them in favor of competitors. Customer expectations have been increasing for a long time, but never as quickly as they are now. With the help of technology, some businesses have successfully responded to these expectations. Not only to develop innovative products but also to meet customers’ expectations. This is where digital engagement can come into play. A digital marketing strategy for each digital channel used to reach customers is part of digital engagement. Here’s an explanation of how digital engagement can help meet your customers’ expectations.

1. Improving the customer experience

It is essential to ensure that prospective customers have a positive experience with your business. A better digital engagement will undoubtedly provide a better customer experience. In addition, you can view your customers’ transaction history and sell new products based on previous purchases. The goal of digital engagement is to increase customer satisfaction by aligning with their expectations.

2. Turn data into actionable insights.

People generally want to see what they expect to see, and what they expect to see is usually based on past habits and experiences. Digital engagement with a good system can generate a large amount of customer data to be analyzed so that your employees can provide the best service. Customer behavior research and analysis can provide all of the information needed to make the best decisions when dealing with customers.

3. Personalized customer communications

Every day, customers can see a variety of brands and offers. In their minds, they will undoubtedly seek out the most visible brand. Personalized and relevant communication is one way to attract customers. When you reach out to prospective customers by greeting them by name or offering rewards tailored to their preferences, they will feel more connected to your brand or business. Furthermore, you should be relevant by reaching them at the appropriate time, place, and channel. Of course, none of this is possible without accurate data. Implementing digital engagement can provide detailed information about customers, allowing you to meet their expectations more effectively.

In this dynamic environment, customers’ brand expectations continue to rise. Businesses can better prepare to meet rising customer expectations if they understand what their customers want. Based on the explanation above, digital engagement is important for successfully meeting customer expectations. MitraComm Ekasarana, a subsidiary of the Phintraco Group, is ready to assist you with implementing digital engagement through its business unit, MitraComm Business Process Service or MBPS. Later, businesses will be able to determine the perception of their products or services using this digital engagement solution so that businesses can learn what customers expect from similar products or services. You can also learn how customers perceive your business competitors and assess the effectiveness of their strategies.

Send an email to marketing@phintraco.com for more explanation about digital engagement.

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