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Standar Keamanan Belanja Online - Peluang Bisnis | Peluang Usaha | Informasi Bisnis Indonesia
November 29 2020
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Standar Keamanan Belanja Online

By admin - Fri Jun 22, 8:39 pm

Standar keamanan belanja online untuk e-commerce tentu saja harus diperhatikan agar Anda tidak kesulitan. Standar keamanan belanja online atau e-commerce di internet akan menurunkan kemungkinan untuk dibobolnya kartu kredit. Beberapa waktu yang lalu, banyak orang yang takut bertransaksi online karena takut kartu kreditnya akan disalahgunakan. Karena untuk membobol kartu kredit seseorang di internet sangat mudah. Yaitu hanya dengan tahu nama pemegang kartu, nomor dan masa berlakunya serta tiga angka dibalik kartu kredit. Dengan mengetahui beberapa hal tersebut saja sudah memungkinkan orang lain untuk membobol kartu kredit Anda untuk berbelanja online.

Standar keamanan belanja onlineUntuk menjawab tantangan tersebut, banyak bank atau penerbit kartu kredit yang mulai berinovasi dan memberikan proteksi lebih untuk pengguna kartu kredit. Misalnya Bank BCA. Bank BCA sudah memberikan proteksi PIN untuk melindungi transaksi online, yaitu khusus untuk pemegang kartu kredit BCA Visa. BCA akhirnya memberikan lima langkah mudah untuk berbelanja online. Langkah mudah yang diberikan oleh BCA ini dapat dilakukan dengan cara update informasi, input data, notifikasi, verifikasi dan konfirmasi.

Standar keamanan belanja online akan memberikan keamanan dan kenyamanan ekstra untuk Anda. Walaupun banyak penasihat keuangan yang menyarankan untuk tidak menggunakan kartu kredit jika tidak mempunyai kepentingan. Tetapi apakah Anda pernah berpikir bahwa kartu kredit justru bisa memberikan manfaat yang lebih banyak daripada kartu debet. Jika alasan yang digunakan adalah kartu debet lebih praktis karena tidak perlu membawa uang tunai kemana-mana, maka kartu kredit juga mempunyai fungsi yang sama. Tetapi ada beberapa fungsi kartu kredit yang tidak dimiliki oleh kartu debet.

Fungsi pertama adalah teknologi. Kartu kredit dikembangkan melalui teknologi yang lebih baru daripada kartu debet. Hal ini dibuktikan dengan adanya chip pada kartu kredit, sedangkan pada kartu debet biasanya menggunakan magnetic yang bisa dengan mudah dibobol atau digandakan oleh orang lain. Fungsi kedua adalah transaksi menggunakan kartu kredit dibebankan kepada pada jangka waktu satu bulan kedepan. Sedangkan kartu debet langsung dipotong dari saldo tabungan Anda saat itu juga. Jangka waktu ini bisa menjadi sangat menguntungkan Anda apabila terjadi transaksi yang mencurigakan dan Anda bisa menyanggahnya. Selain itu didalam kartu kredit, Anda bisa menggunakannya tanpa perlu mengisi saldonya dulu seperti kartu debet.

Standar keamanan belanja online juga akan membuat kita lebih lega memanfaatkan kelebihan karti kredit. Pada kartu debet tertentu, sangat rawan untuk disalahgunakan oleh pihak lain. Karena terkadang tanpa perlu PIN dan tanda tangan, kartu sudah bisa digunakan untuk berbelanja di seluruh merchant, seperti supermarket atau department store yang menerima pembayaran melalui kartu debet. Fungsi keempat adalah kartu debit mempunyai history transaksi yang harus Anda cek sendiri secara manual, baik melalui cetak buku rekening maupun internet banking. Sebaliknya, laporan transaksi kartu kredit akan dilaporkan secara rutin setiap bulan. Laporan ini dilaporkan bersamaan dengan billing Anda. Sehingga kartu kredit akan lebih mudah dikontrol apabila terjadi kesalahan atau transaksi yang tidak wajar.

Fungsi kelima adalah kartu kredit lebih valid dan lebih aman daripada kartu debet. Karena biasanya di department store, mesin EDC (Electronic Data Card) seringkali melakukan kesalahan pendebetan sampai dua kali terhadap satu kali transaksi yang sama. Hal ini tentunya akan merugikan Anda sebagai card holder. Untuk itulah pilihlah kartu yang tepat bagi kegiatan Anda. Jika Anda lebih sering berbelanja dan berbisnis di internet, kartu kredit merupakan pilihan yang wajib Anda pilih daripada kartu debet. Di samping karena fungsi kartu kredit tersebut di atas, juga karena standar keamananannya sudah terjamin.

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