Kartu Kredit Wajib Pakai PIN Mulai Juli

 

Pada Juli 2020, kartu kredit diwajibkan untuk menggunakan PIN. Kartu kredit yang masih menggunakan tanda tangan sebagai proses verifikasi tak lagi bisa digunakan untuk melakukan transaksi.

 

General Manager Asosiasi Kartu Kredit Indonesia (AKKI) Steve Marta mengungkapkan sesuai dengan peraturan bank sentral dan demi keamanan transaksi kartu kredit harus menggunakan PIN.

 

“Penggunaan PIN pada kartu kredit memang belum 100%. Karena ketentuannya kan sampai akhir Juni 2020. Jadi kalau setelah itu masih belum pakai PIN maka kartunya nggak bisa dipakai,” kata Steve saat dihubungi detikcom, Jumat (17/1/2020).

 

Dia mengungkapkan, saat ini memang masih banyak pemegang yang menggunakan tanda tangan sebagai proses verifikasi dan autentikasi dari transaksi tersebut.

 

Steve menjelaskan kewajiban penggunaan PIN ini sudah sesuai dengan Surat Edaran Bank Indonesia No. 16/25/DKSP tanggal 31 Desember 2014.

 

Mulai 1 Juli 2020, pemegang kartu kredit tidak boleh lagi menggunakan tandatangan sebagai sarana verifikasi dan autentikasi transaksi, kecuali untuk transaksi dengan menggunakan kartu kredit dari Penerbit luar negeri atau transaksi di negara lain yang masih menerapkan verifikasi dan autentikasi dengan tandatangan.

 

Steve mengungkapkan hal ini sesuai dengan aturan yang diterbitkan oleh Bank Indonesia (BI). Apa saja keuntungan menggunakan PIN dalam transaksi kartu kredit?

 

Menurut Steve, kartu kredit yang menggunakan PIN akan memiliki keamanan yang lebih baik dibandingkan tanda tangan. “Secara teknis, kejahatan kartu kredit kan fraud, bisa dari pencurian kartu, hilang sampai pemalsuan,” kata Steve.

 

Dia mengungkapkan, jika masih menggunakan tanda tangan maka peluang kartu kredit digunakan orang lain lebih besar.

 

“Kalau pakai PIN kan bisa lebih terproteksi, ya bukan berarti kalau kartu hilang kita diam saja. Kita juga harus melakukan pemblokiran,” imbuh dia.

 

Menurut Steve, saat ini kartu kredit sudah dilengkapi dengan teknologi chip yang juga memiliki keamanan tinggi. Penerapan chip ini sudah diterapkan sejak 2010 seusai dengan aturan BI.

 

Direktur PT Bank Central Asia Tbk (BCA) Santoso mengungkapkan sebenarnya bank sudah memberikan PIN kepada konsumen saat kartu kredit diterima. PIN tersebut biasanya dilampirkan dalam surat dan harus segera diganti dengan nomor yang mudah diingat dan rahasia.

 

“Namun karena kebiasaan dan kenyamanan, kadang konsumen memilih tanda tangan. Yang kita lakukan adalah melakukan edukasi dan sosialisasi. Khususnya mendekati berlakunya PIN kita akan lebih sering mengingatkan kepada konsumen,” jelas dia.

 

sumber : detik.com

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