Banking crime through fraud is still rife and anyone can become a victim, indiscriminately. Lately, there has been a lot of fraud technique where fraudsters pretend to be couriers who want to send packages. Fraudsters ask the recipient of the message to check the package receipt by including the APK file to download.
Apart from pretending to be a package courier, cases are also found where fraudsters on behalf of PLN officials want to check electricity bills by sending APK files. There are also fraudsters who act on behalf of the bank, like the example in the picture above.
Beware of Fraud, Don't Click on APK Files
If you receive the message, which is usually sent via WhatsApp, don't click. You can first check the name of the file that was sent. If it says APK at the back, just ignore the message and then block the number immediately.
Clicking on an APK file runs the risk of installing an application that can steal personal and sensitive data stored on a cellphone. What data can be stolen? Various, including banking data such as PINs and passwords, SMS that sends OTP, and even information that we are typing on the cellphone keyboard.
The data obtained will be automatically sent to the fraudster, who will use it to commit crimes. For example, they can use customer personal data to steal money, transfer funds in e-wallets, etc.
What If You Have Already Clicked on the APK File?
If you accidentally or have already clicked on the APK file, then the first step you can take is to uninstall that application as soon as possible.
Even though the application has been uninstalled, you can't do anything about the data that have already been sent to the application maker. Therefore, the next best step that you can take is to change all personal and confidential data, especially those that can access banking services.
And don't forget, having a Jago account, you are a customer of Bank Jago. If you experience fraud, don't hesitate to immediately report it to Jago's official channels, namely 1500-746 and +622130000746 for the hotline and 0819-247-7490 for WhatsApp.
Every Jagoan is also advised to always be vigilant and not easily trust unofficial accounts that act on behalf of Jago. Jago will only contact Jagoans through the official numbers stated above.
Money Lost Due to Clicking an APK File, Can Customer Get Their Money Back?
If the customer clicks on the APK file from an unknown number so that the money in the bank account is lost, then the loss experienced by the customer will not be reimbursed or borne by the bank. This is because the customer is negligent, which leads to loss of money.
Jagoans, don't let your guard down and become a victim of banking fraud and crime. For those who don't have a Jago account yet, Jago makes it possible for you to save and spend the way you want.
You can manage your finances well with the Pocket. You can control your expenses so you don't overspend with the Jago Visa Debit Card. And there are many more Jago features that can help you manage your finances.
Jago is also integrated with the power of the digital ecosystem where you can link your Jago account to GoPay as well as Bibit and Stockbit. For Jago Syariah users, you can link your Jago Syariah account to GoPay and Bibit and save money with Mudharabah Muthlaqah akad according to sharia principles in the Sharia Deposit.
