PT Artajasa Pembayaran Elektronis (Artajasa) recorded a rise in transaction volume through the ATM Bersama network during the Ramadan and Eid 2025 period. This increase was supported by the company’s continuous investment in cybersecurity infrastructure to ensure transaction comfort and safety.

In March 2025, transactions via ATM Bersama and ATM Bersama QR rose by 17.5%, while ATM Bersama Debit climbed by 18.3% compared to February. The growth reflects high public activity in sending money between families and conducting business transactions during the festive season.

Spending and Payment Trends During Festive Season

The rise in digital transactions was accompanied by increased use of electronic money and debit and credit cards. This trend followed the overall growth in household consumption during Ramadan and Idulfitri.

Artajasa Enhances Cybersecurity Amid High Risk Period

Artajasa CEO Armand Hermawan emphasized the critical importance of cybersecurity as transaction volume grows. The company has implemented multi-layered security systems aligned with global standards.

“Security and customer protection are our top priorities. We collaborate with strategic partners who are cybersecurity experts and apply strict global standards to ensure every transaction remains safe and protected,” said Armand on Tuesday, April 8, 2025.

National Guidelines and Strategic Partnerships

Rising cyberattacks have drawn national attention. In 2024, the Financial Services Authority (OJK) issued Cyber Security Guidelines, outlining both proactive and reactive strategies for securing digital financial ecosystems.

These guidelines cover data protection, risk management, incident response, maturity assessment, training, and awareness. Artajasa has obtained several international certifications, including ISO 27001 for information security management, ISO 9001 for quality management, and PCI DSS for securing payment transaction data.

To anticipate potential threats, Artajasa maintains 24/7 real-time system monitoring. The company also cooperates with regulators and industry-wide institutions to build a more secure and inclusive digital financial ecosystem that supports national economic growth.

OJK Emphasizes Public Role in Data Protection

In early 2025, Friderica Widyasari Dewi, OJK’s Chief Executive of Financial Services Business Conduct, Education, and Consumer Protection (PEPK), reminded the public of their role in protecting personal data. She highlighted that fraud reports are expected to remain high in 2025 due to increasing technology use and limited public awareness.

“Consumers and the public are urged to understand and apply the importance of maintaining the confidentiality and security of their personal data,” said Friderica.

Cybersecurity Expert Calls for User Awareness

Cybersecurity expert Alfons Tanujaya from Vaksincom stated that strict implementation of security standards like ISO and PCI DSS helps secure transactions. However, he stressed that these are only part of a comprehensive data protection process.

According to Alfons, cyber threats also target users, not just service providers. Therefore, users must also understand cybersecurity fundamentals. “The threat spectrum lies not only on the service provider side but also on the user side,” said Alfons.

PHOTO: ISTOCKPHOTO

This article was created with AI assistance.