Electronic Theses and Dissertation

BAB V KESIMPULAN DAN SARAN 5.1 Kesimpulan Berdasarkan hasil pelaksanaan kerja praktik di Bank Syariah Indonesia KC Kutacane mengenai “Prosedur Frontliner dalam Menjaga Keamanan dan Privasi Data Nasabah pada BYOND BSI”, dapat disimpulkan bahwa frontliner memiliki peran penting dalam menerapkan prosedur keamanan data nasabah pada layanan perbankan digital. Penerapan prosedur tersebut dilakukan melalui verifikasi identitas nasabah, menjaga kerahasiaan data pribadi, memberikan edukasi mengenai keamanan digital, serta melakukan pengawasan terhadap aktivitas transaksi nasabah. Penerapan prosedur keamanan dan privasi data pada layanan BYOND BSI telah membantu meningkatkan keamanan transaksi, menjaga kerahasiaan informasi nasabah, serta meningkatkan rasa aman dan kepercayaan nasabah terhadap layanan digital Bank Syariah Indonesia. Selain itu, penerapan prosedur tersebut juga mendukung terciptanya pelayanan perbankan yang lebih tertib, aman, dan profesional. Namun demikian, dalam pelaksanaannya masih terdapat beberapa kendala seperti kurangnya kesadaran nasabah terhadap keamanan digital, meningkatnya risiko kejahatan siber, serta gangguan sistem digital. Oleh karena itu, diperlukan kerja sama antara pihak bank dan nasabah dalam menjaga keamanan data serta meningkatkan kesadaran terhadap pentingnya keamanan transaksi digital. Secara keseluruhan, penerapan prosedur frontliner dalam menjaga keamanan dan privasi data nasabah pada layanan BYOND BSI di Bank Syariah Indonesia KC Kutacane telah berjalan dengan cukup baik dan memberikan dampak positif terhadap kualitas pelayanan perbankan digital. 5.2 Saran Berdasarkan Berdasarkan hasil pelaksanaan kerja praktik yang telah dilakukan di Bank Syariah Indonesia KC Kutacane, penulis memberikan beberapa saran yang diharapkan dapat menjadi bahan pertimbangan dalam meningkatkan keamanan dan privasi data nasabah pada layanan BYOND BSI. 1. Pihak bank diharapkan terus meningkatkan sistem keamanan digital pada layanan BYOND BSI agar mampu menghadapi perkembangan teknologi dan risiko kejahatan siber yang semakin meningkat. 2. Frontliner diharapkan tetap meningkatkan ketelitian dan profesionalisme dalam melakukan verifikasi identitas nasabah serta menjaga kerahasiaan data pribadi nasabah selama proses pelayanan berlangsung. 3. Pihak bank diharapkan lebih aktif memberikan edukasi kepada nasabah mengenai pentingnya menjaga keamanan data pribadi, PIN, password, dan kode OTP agar terhindar dari berbagai bentuk penipuan digital. 4. Nasabah diharapkan lebih berhati-hati dalam menggunakan layanan digital perbankan serta tidak mudah memberikan informasi pribadi kepada pihak yang mengatas namakan bank.

CHAPTER V CONCLUSIONS AND RECOMMENDATIONS 5.1 Conclusion Based on the results of the practical work conducted at Bank Syariah Indonesia KC Kutacane concerning “Frontliner Procedures for Maintaining Customer Data Security and Privacy on BYOND BSI,” it can be concluded that frontliners play an important role in implementing customer data security procedures in digital banking services. The implementation of these procedures is carried out through customer identity verification, maintaining the confidentiality of personal data, providing education regarding digital security, and monitoring customer transaction activities. The implementation of security and data privacy procedures on BYOND BSI services has helped improve transaction security, maintain the confidentiality of customer information, and increase customers sense of security and trust in Bank Syariah Indonesias digital services. In addition, the implementation of these procedures also supports the creation of more orderly, secure, and professional banking services. However, in its implementation, there are still several obstacles, such as customers lack of awareness regarding digital security, the increasing risk of cybercrime, and digital system disruptions. Therefore, cooperation between the bank and customers is needed to maintain data security and increase awareness of the importance of digital transaction security. Overall, the implementation of frontliner procedures in maintaining customer data security and privacy on BYOND BSI services at Bank Syariah Indonesia at Bank Syariah Indonesia (BSI) Kutacane Branch has proceeded quite well and has positively impacted the quality of digital banking services. . 5.2 Recommendations Based on the internship conducted at Bank Syariah Indonesia (BSI) Kutacane Branch, the author offers several recommendations intended for consideration in enhancing customer data security and privacy within the BYOND BSI service 1. The bank is encouraged to continuously upgrade the digital security systems of the BYOND BSI service to keep pace with technological advancements and the rising risk of cybercrime. 2. Frontline staff are expected to maintain a high level of diligence and professionalism when verifying customer identities and to safeguard the confidentiality of customer personal data throughout the service process. 3. The bank is encouraged to be more proactive in educating customers about the importance of protecting personal data, PINs, passwords, and OTP codes to prevent various forms of digital fraud. 4. Customers are advised to exercise greater caution when using digital banking services and to avoid readily disclosing personal information to parties claiming to represent the bank.