Graha Banking Retail

• Is the Retail Banking Graha service?

  Graha Retail Banking is a banking services provided by Bank Artha Graha through the Internet so that you as a user can access easily and quickly to the needs of banking transactions. Enough with www.arthagraha.com access whenever and wherever you can perform banking transactions without having to come to Bank Artha Graha. Graha Retail Banking is a solution for those who need direct banking services with practicality and security of transactions.

  Graha Retail Banking offers banking facilities, fast and convenient. Enjoy easy access to your account 24 hours a day, 7 days a week. Leave a habit of queuing and arrange your accounts without having to come to visit Bank.

• What about security systems Retail Banking Graha service?

  Internet Banking applied Bank Artha Graha has a security system as follows:

  1. Using the international standard security system with SSL (Secure Socket Layer) 3.0 with 256 bit encryption, which is the first layer of internet banking security system that is commonly used in the banking world. By using SSL, all data transmitted from Artha Graha internet banking server to client computers and vice versa always through an encryption process (random system) using a 256-bit password known only to the client computers and servers Artha Graha Bank internet banking. Thus, the other parties will not be able to interpret the data transmission if it accepts it.
  2. Graha Services Retail Banking can be done with advance registration. There are two options how to register services
  3. The first way is by registration at a branch office of Bank Artha Graha through the registration of electronic banking services (e-banking).
  4. Customer can access to Retail Banking Graha after obtaining User ID and Password obtained from the registration process of e-banking.
  5. The second way is to register online through the Online Registration menu on the application Graha Retail Banking.
  6. Customer can access to Graha Retail Baking using the user ID and password that has been made in the registration process online e-banking.
  7. Use the form of OTP Token password (OTP) and PIN Transaction (T-PIN) as verification that must be provided by the Customer so that financial transactions can be executed by Bank Artha Graha.
  8. The use of code validation as internet banking verify whether the address is correct Bank Artha Graha.
  9. Retail Banking Services Graha equipped with the session time-out which will automatically logout if within a certain time no activity occurs on the service.
  10. Restrictions limit financial transactions on a daily basis for security protection.
  11. Bank Artha Graha will send notification of transactions or activities Login and Logout has been done the customer to the email address registered to the customers of Bank Artha Graha.
• Are there safety tips for customers to use the services Graha Retail Banking?

  Yes, we recommend you to do a few things below to the security of transactions from the Customer, namely:

  1. If you do the registration process at the branch office of Bank Artha Graha, then the time of service activation process Graha Banking Retail, you must change the User ID and Password that has given the Bank, create a User ID and Password are not easy to guess but easy to remember by you own.
  2. If you do the online registration process on the application Graha Retail Banking, the current registration process user ID and password, create a User ID and Password are not easy to guess but easy to remember by yourself.
  3. Make a T-PIN according to your choice that is not easily guessed by someone else.
  4. hide Password and T-PIN and never share them with others.
  5. Make changes Password and T-PIN periodically.
  6. Do not leave your computer during login to the service Graha Retail Banking and always click "Logout" when youre finished using the service.
  7. Do not use auto-saving services User ID and Password Graha Retail Banking at the time of these browsers offer automatic peyimpanan.
  8. Do not use your User ID or password or any other personal information (account numbers, ATM card numbers, etc.) on the website unknown.
  9. If youre using a wireless connection and make sure that the security apparatus is sufficiently / adequately. Not recommended to use WiFi (in the hot spot area) in conducting banking transactions via the Internet, because the wireless network is not secured.
  10. Get used to clear the browser cache and history of each completed transaction.
  11. Protect your computer from viruses and other malicious programs. Make sure the latest anti-virus software is active on your computer.
  12. Make it a habit to check your account balance and transaction mutation in detail and routine. This ensures no transaction is not done by you. It is better you keep a record of when you last logged and keep your proof or received email notifications for your activities in Retail Banking Graha services.
  13. Please contact Customer Service AG Bank or contact Graha Call , if got a problem or something suspicious.
• What are the requirements to become Graha User Customer Retail Banking?

  To enjoy this service Graha Retail Banking, the stages are as follows:

  1. You are required as a customer and have a savings account at Bank Artha Graha.
  2. Perform registration of electronic banking services (e-banking) by contacting the branch office of Bank Artha Graha or via the Online Registration feature on Graha Banking Retail
  3. If registering via branch offices, registration of e-banking services shall fill in an Internet Banking Services and attach a copy of the identity card and proof of account ownership according to regulations.
  4. Customer shall provide and register your email address and mobile phone number active for reception OTP Token.
  5. Perform service activation process by accessing Graha Retail Banking.
  6. Customer has read and understood all the Terms and Conditions of Retail Internet Banking services Artha Graha set by Bank Artha Graha.
  7. If registering via the Online Registration feature on Graha Retail Banking, you need to enter your card number and pin atm atm.
  8. Customer must have registered a mobile phone number active for reception OTP Token
  9. Customer has read and understood all the Terms and Conditions of Retail Internet Banking services Artha Graha set by Bank Artha Graha.
• How do I activate the service Graha Retail Banking?
  1. The activation process through www.arthagraha.com and select the Graha Retail Banking and enter your User ID and Password provided by the Bank and then you have to enter a new User ID and Password of your choice.
  2. In the activation process, you are asked to select "Character Validation" in the form of the name or symbol selection became a means of identification truth Retail Banking Graha address. When users log back in Retail Banking Graha, make sure the validation code that appears is the same as the selection of characters that you choose.
  3. User ID and Password created by the Customer when the service activation Graha Retail Banking, a combination of alphabet and numeric (alphanumeric).
  4. Select options introductory language you want.
  5. Enter your email address.
  6. Make a T-PIN of your choice (consisting of 6 digits).
  7. Choose Character Validation of the few options available.
  8. Once all the data required and appropriate, select Send.
  9. Make sure the screen to confirm that the Registration has been successful.
• What to do if the activation register via Online Registration menu?
  1. No need.
  2. At the time of registration, you are prompted to create a user ID, Password, T-PIN, enter your email address and choose Character Validation and language of instruction you want.
  3. "Character Validation" in the form of the name or symbol selection became a means of identification truth Retail Banking Graha address. When users log back in Retail Banking Graha, make sure the validation code that appears is the same as the selection of characters that you choose.
  4. User ID and Password in the form of a combination of alphabet and numeric (alphanumeric).
  5. Make a T-PIN of your choice (consisting of 6 digits).
  6. Choose Character Validation of the few options available.
  7. Once all the data required and appropriate, select Send.
  8. Make sure the screen to confirm that the Registration has been successful.
• What is the OTP Token (OTP) and PIN Transaction (T-Pin)?

  OTP token or OTP is a combination of numbers randomly generated by the internet banking server application sent by the Bank to the mobile number (mobile phone) Customer through SMS and M-Pin is used when the Customer conduct financial transactions in internet banking. 1 (one) M-Pin numbers can only be used once for one (1) transaction and no expiration. Transaction PIN or T-Pin is a combination of numbers as a secret number that is made by the Customer at the time of registration of internet banking. T-Pin is used in conjunction with M-Pin when conducting financial transactions in internet banking.

• How do I get OTP Token?

  How to get the OTP Token to access Graha Retail Banking and perform the steps:

  1. Click on the "OTP Token" to be able to make requests.
  2. Select the sub menu "Request" click "send"
  3. Bank Artha Graha will send an SMS containing 5 OTP. Each OTP can be used in a financial transaction (transfers, bill payments and purchases).
  4. 1 (one) OTP numbers already in use can not be used again in another transaction, OTP unused can be used up to date on the stock OTP SMS on your mobile phone.
  5. If you already do not have inventory OTP, OTP request please do come back.
• What if you forget your User ID or password, and if you experience problems while using the service Graha Retai Banking?

  Please call Customer Service at branches of Bank Artha Graha Graha or you can call .

 
• What should you do if you are doing financial transactions, your computer suddenly die or connection with the service Graha Retail Banking disconnected?

  To ascertain whether the transaction is successful or not, you can check through the Transaction History Menu Graha Retail Banking or you can contact Customer Service at .

• What should you do if you can not access the site Graha Retail Banking?
  • Make sure that you have typed the website address of Bank Artha Graha in www.arthagraha.com then select the menu Graha Retail Banking and make sure the address listed at the top of your computer screen is https://ib.bankarthagraha.co.id /index.html
  • Make sure that the browser used Graha sites supported by Retail Banking. The best look by using Microsoft Internet Explorer 8.0 or higher, Mozilla Firefox 28.0 or newer or Google Chrome.
  • Ensure that the user ID is not locked by mistake enter a password three times in a row.
• What to do if you experience a failed transaction when conducting a transaction at Graha Retail Banking?
  • Report a complaint immediately to the Customer Service at the branch office or contact to Graha Call .
  • Prepare supporting evidence for the failed transaction (eg, a message appears on the screen of internet banking).
  • This complaints process can be done either in writing or orally to the next will be investigated further by the Customer Service or Call Graha staff.
  • Customer complaints process will be handled in accordance with the applicable provisions.
• What to do if you experience there is a transaction that is not done by you (dispute) in the Retail Banking Graha service?
  • Report a complaint immediately to the Customer Service at the branch office or contact to Graha Call .
  • Prepare supporting evidence for the failed transaction (eg, a message appears on the screen of internet banking).
  • This complaints process can be done either in writing or orally to the next will be investigated further by the Customer Service or Call Graha staff.
  • Customer complaints process will be handled in accordance with the applicable provisions.

Thank You

TERMS AND CONDITIONS OF ARTHA GRAHA INTERNET BANKING

Please read and understand the terms and conditions of the usage of our internet banking services, as follows:

A. Definition

1. Bank means PT Bank Artha Graha.
2. Retail Internet Banking Artha Graha or further mentioned as Internet Banking is a service provided by the Bank for its Customers to enable them to access their own account as well as to do online banking transactions through internet network.
3. Customer is the owner of the saving account and/or current account and/or the owner of the ATM card issued by the Bank.
4. User Customer is the customer registered as the user of the Internet Banking service.
5. User ID is the identity code of Customer made by User Customer him/herself and used for every access to the Internet Banking service.
6. Password is the confidential code of Customer made by User Customer him/herself, and it shall be used to Login to the Internet Banking along with User ID.
7. Mobile PIN or M-Pin is a numeric combination which randomly generated by Bank and it shall be sent to Customer’s mobile phone number through text message and this M-Pin is used by Customer for the financial transaction through Internet Banking. 1 (one) M-Pin number shall only be used for 1 (one) transaction and these numbers have certain expiry period.
8. Transaction PIN or T-Pin is the combination of numeric number as a secret code created by User Customer at the time of registration of Internet Banking. T-Pin shall be used together with M-Pin for any transaction in the Internet Banking.
9. Login is a process when Customer is accessing the Internet Banking application after passing the verification of User ID and Password.
10. Logout is a process when Customer leaves the Internet Banking application.
11. Transaction Limit is the maximum amount of transaction which can be executed through the Internet Banking.

B. Requirement To Be User Customer

1. Customer shall register his/her account to get access to the Internet Banking service by fulfilling the terms and conditions of the registration.
2. Registration through Bank’s Branch Office is applicable by filling the Internet Banking Service Form and enclosing the copy of identity card and the prove of account ownership.
3. Customer is obliged to provide and register an email address and an active mobile phone number to receive M-Pin.
4. Customer must read and fully understand the terms and conditions of the Internet Banking service applied by the Bank.

C. Transaction Using Internet Banking

1. Within the period of 30 (thirty) calendar days after obtaining User ID and Password for the first time, Customer must Login and immediately change the default password. Should Customer not Login within the period, then he/she will not be able to Login to the Internet Banking application and therefore must re-register his/her account.
2. In doing any financial transaction through the Internet Banking service, Customer must input the M-Pin and T-Pin.
3. Customer must fulfill every data needed for each transaction correctly and completely.
4. Bank is not responsible for any consequences caused by negligence, incompleteness, unclear or inaccuracy of data and/or instruction/order from Customer.
5. In any transaction(s) made by Customer using the Internet Banking service, the Internet Banking application will always pop up a confirmation alert for the data inputted so that the Customer will be able to re-check and/or cancel the data.
6. Transaction approved and confirmed by the Cutomer by clicking the “SEND” or “SUBMIT” is non cancellable.
7. The data of transaction that has been approved and confirmed “SEND” or “SUBMIT” by Customer will be stored in the Bank’s data base and shall be regarded as the correct data and shall be used as the evidence of instruction/order from the Customer to the Bank to execute the transaction.
8. Every instruction/order from the Customer, received and executed by Bank is considered as the legitimate instruction/order based on the use of User ID, Password, M-Pin, T-Pin. Bank is not obligated to examine nor investigate the authenticity and validity or the authority of the usage of the User ID, Password, M-Pin and T-Pin nor to assess or to prove the accuracy or the completeness of the instruction/order, thus the instruction/order legitimately binds Customer as it should be.
9. Every instruction/order of financial transaction from the Customer shall be executed successfully, subject to the sufficient balance of funds in Customer’s account.
10. For every successful financial transaction, Customer will receive reference number from the Bank, as a legitimate evidence of transaction.
11. Bank will send the data of the transaction which done through the Internet Banking to the Customer’s designated email address.
12. At the its own discretion, Bank shall have the right to change the Internet Banking transaction limit.
13. Bank has the right to terminate the Internet Banking service for some period of time for renewal, maintenance or for any other purposes or reasons considered appropriate by the Bank, and therefore, Bank is not obligated to give account to any parties.

D. User ID, Password, M-Pin and T-Pin of Internet Banking

1. User ID, Password, M-Pin and T-Pin are confidential and the use of them is in the authority of the Customer.
2. User ID given to Customer is permanent and unchangeable.
3. Customer is fully responsible for every activity through the Internet Banking and over the use of Customer’s User ID, Password, M-Pin and T-Pin.
4. Customer must change the default Password at the very first time using the Internet Banking service.
5. Regarding to the use of User ID, Password, M-Pin and T-Pin, Customer must:
   
   1. Keep the confidentiality of User ID, Password, M-Pin and T-Pin, by not giving any information to any other party, including family members or relatives, or anyone claiming as the Bank’s employee. Bank will never ask any information of User ID, Password, M-Pin and T-Pin to the User Customer.
   2. Not make any records of the User ID, Password, M-Pin and T-Pin in a paper or keep it in written note or other data keeping devices including in the internet explorer which noticeable to anybody.
   3. Not choose Password and T-Pin from any general and predictable numbers and words, such as 11111111, 22222222, 12345678, 87654321, date of birth or its combinations, vehicle licence number, phone number, alias and others.
   4. Use different password from the password used to access google, yahoo, facebook, et cetera.
   5. Avoid the use combination of the same password and T-Pin over and over again.
   6. Use the User ID, Password, M-Pin and T-Pin carefully and avoid from other people’s visibility.
   7. Not use public computer that can be accessed by any other people, such as at the internet cafes.
   8. Change the Password periodically.
   
   
6. Should the User Customer aware or assume that User ID, Password, M-Pin and T-Pin has been discovered by any unauthorized parties, then User Customer must do some necessary precautions by changing Password and T-Pin or reporting to the Bank to have the account blocked. If for any reason the Customer can not change the User Password, then User Customer shall notify the Bank. Before Bank receive any written notice from the Customer, all instructions / orders, transactions and communications based on the use of User ID, Password and a T-Pin by an unauthorized person are entirely the responsibility of the User Customer.
7. User ID and Password will be blocked if User Customer inputs the wrong Password 3 (three) times sequentially and/or due to other Bank’s policy for security purposes.
8. User Customer must not leave his/her computer in logged on position, where the User ID and Password have already been inputted. User Customer must log out everytime they leave the computer to avoid any misuse by irresponsible parties.
9. The use of User ID, Password, M-Pin and T-Pin in every instruction/order in Internet Banking transaction has the same legal power as the written order signed by the User Customer, therefore User Customer acknowledge that the use of User ID, Password, M-Pin and T-Pin in every order in the Internet Banking transaction is also acting as the power of attorney to debit the Customer’s account as the execution of the transaction ordered or for the payment of transaction fee that has been or will be determined by Bank in the future.
10. Any misuse of the User ID, Password and T-Pin is the responsibility of User Customer. User Customer in this particular matter release the Bank from any claim that may occur, from the other party or from the User Customer himself, resulted from the misuse of the User ID, Password and T-Pin.

E. Verification

1. User Customer declare and approved the validity, correctness or the originality of the evidence of the instruction/order’s and communication sent or received electronically between the two parties, including the document in the form of computer notes or the evidence of Bank’s transaction, tape/cartridge, computer print out, copy or other way of information keeping in the Bank; and all of the tools or documents mentioned are the valid proof of every transaction made by User Customer through the Internet Banking service.
2. By doing the transaction through the Internet Banking service, User Customer acknowledge that every communication and instruction/order from the User Customer received by the Bank is the valid evidence, even though it is not in the form of written documents and/or nor signed.

F. Power of Attorney for Debit

1. User Customer herein give the power of attorney to the Bank to debit and/or to block the Customer’s account due to the use of Internet Banking service.
2. Customer agrees that Bank has the right to debit the administration fee (if any) and/or transaction fee for the use of Internet Banking service.
3. Power of attorney given to Bank regarding to financial transaction through the Internet Banking service is the legitimate power of attorney and shall not be terminated even when the Customer pass away or any other causes, including the reason for the termination of power of attorney as mentioned in the Article 1813, 1814 and 1816 of Indonesia Civil Code, which applied in the Republic of Indonesia territory, until there is a written notification from the User Customer to the Bank regarding the termination of the power of attorney and such notification should be accepted by Bank in the period of 30 (thirty) days before the termination is effective.

G. Blockage of Access
Internet Banking service shall be blocked or terminated by Bank, when :

1. Customer enters the wrong User ID or Password 3 (three) times sequenatially.
2. Customer closed all accounts owned in the Bank.
3. The Bank receive a written report from Customer that there is presumption or fact that User ID, Password and T-Pin are used by other unauthorized party.
4. One or both of the party ends the relationship as mentioned in the agreement for the use of Internet Banking service.
5. Customer does not fulfill the obligations designated to Customer based on the Terms and Conditions or those mentioned in the Banks’ website, manual book, application form and agreement of use the Internet Banking service.
6. The Bank will always act in compliance to the prevailing laws and regulations.

H. Force Majeure

User Customer shall indemnify Bank from every and all of the claims, in the case that Bank can not execute the orders from User Customer partially or the whole order due to the events or causes beyond the control of the Bank or Bank’s ability, including but not limited to any virus disruption or dangerous component which can interupt Internet Banking service, web browser or Bank’s computer system, Customer, or Internet Service Provider, due to natural disaster, war, riot, technical malfunction, system or transmission that doesn’t work, electric interruption, telecommunication interruption, government policy, and other events or causes beyond the power or the ability of the Bank.

I. Others

1. Bank shall use the Customer’s email address to send information of financial transaction regarding the Internet Banking and non-financial transaction which has been done by the Customer when Customer’s first log in, change of email address, add connection and others. Bank can use Customer’s email address for promotional purposes, gathering invitation and other information.
2. Customer shall give Customer’s own cell phone number and email address to the Bank. Customer shall not give other people’s cell phone number and email address or false information.
3. Customer can change his/her email address data in the Internet Banking using the available menu. For the change of mobile phone number, the Customer shall inform the Customer Service of the Bank at the Bank’s offices where Customer opens and activate Internet Banking for the first time.
4. If the Customer contacts the Bank through email, it is recommended not to send any account information which is a confidential or sensitive information, such as Password and T-Pin.
5. User Customer may call the Bank’s call center for any matters related to the transaction and change of access of Internet Banking service.
6. User Customer agrees that Bank may change this Terms and Conditions at all times. Notification of the change shall be informed to Customer in the form and through the medium designated by Bank.
7. Every information and data given by Customer to Bank for the use of Internet Banking service must be complete and correct.
8. User Customer shall abide to the rules and regulations prevail to the Bank and other terms related to the Internet Banking including every and all of its changes.
9. Internet Banking service terms shall be subject to the laws and regulations in the Republic of Indonesia.

By agreeing and admitting this Terms and Conditions of Internet Banking, the User Customer agree to abide and bound to every terms and conditions of the Internet Banking service, and to every and all of the prevailing laws and regulations.

Graha safety tips to use with Retail Banking

• Are there safety tips for Customers use the services Graha Retail Banking?

  Yes, we suggest you to do a few things below to the security of transactions from the Customer, namely:

  1. When the service activation process Graha Retail Banking, you must replace User ID and Password that has given the Bank, create a User ID and Password are not easy to guess but easy remembered by your own.
  2. Make a T-PIN according to your choice is not easy guessed by others.
  3. hide Password and T-PIN and nevershare them with others.
  4. Make changes Password and T-PIN periodically.
  5. Do not leave your computer during login to the service Graha Retail Banking and always click "Logout" when youre finished using the service.
  6. Do not use auto-saving services User ID and Password Retail Banking Graha when browsers offer peyimpanan This automatically.
  7. Do not use your User ID or password or personal information Other (account numbers, ATM card numbers and so forth) on unknown website.
  8. If youre using a wireless connection and make sure that the tool security sufficient / adequate.
  9. Get used to clear the browser cache and history of each completed transaction.
  10. Protect your computer from viruses and malicious programs Other.
  11. Make it a habit to check your account balance and mutation your transactions regularly.
  12. Please contact Customer Service or contact Bank Artha Graha Graha Call ., if in trouble or anything suspicious.
• Is it safe to transact through Internet cafes?

  We do not recommend you to access the service Graha Retail banking on public computers or Internet cafe. Generally computers in public places vulnerable to viruses and programs that can save what was typed (keylogger). Not impossible program is intentionally made to read whatever you type (Including User ID and Password Graha Retail Banking), to then the data is taken or sent to the creator of the program and used for personal benefit. But when it comes to things occurred in Retail Banking Graha services, these services will remain safe because Graha equipped with Retail Banking Mobile PIN (M-PIN), in which the financial transactions that are not can be done when the M-PIN is not known. The worst thing happens is that the person can only view balances and mutation your transaction.

• How To Avoid Phising Scam ?

  Phishing is the act of obtaining personal information such as User ID, password, bank account number, your ATM card number invalid. This information will then be used by the fraudsters to access accounts, commit fraud or ATM card guiding customers to transfer to the account specified by the lure of prizes.

• How Phishing done?

  A common technique is often used by fraudsters to the model Phishing is as follows:

  1. The use of fake e-mail address and charts to mislead Customer so that the Customer hooked accept the validity of e-mail or website. To appear convincing, phishers often utilizing the logo or trademarks belong to official institutions, such as; bank or credit card issuer. Counterfeiting is done to lure victims to give personal data, such as passwords, PIN and the ATM card number / credit card.
  2. Make a fake website identical to the official website or phishers send e-mail that contains a link to The fake site.
  3. Create a hyperlink to a bogus website or providing a form stuffing attached to e-mails sent.
• How do I avoid Phishing?

  Do not be easily persuaded to follow directions / instructions whatsoever in respect of account information, which is recommended in the e-mail linked to certain sites. If you receive this type of e-mail and on behalf of Bank Artha Graha, beware. Bank Artha Graha apply policy not to ask the owner of the account / customer do updating of information through e-mail. Graha Retail Banking provides protection for this phishing attack mode with their "Character Validation" as a tool to validate Internet address banking you access if it was true and not fake website addresses. If you receive an e-mail like this, please report it to Bank Artha Graha.

• What steps should do to protect yourself from phishing scams?

  Here are tips to protect yourself from scam phishing:

  1. Always the complete URL for the website address / web-site bank official, namely: www.arthagraha.com on the menu bar in your browser.
  2. Never share or give up your User ID or Password or M-PIN and T-PIN to anyone, even to employees Bank Artha Graha though. Bank Artha Graha never ask for a password / M-PIN and T-PIN service for reasons Graha Retail Banking anything.
  3. If you get an e-mail containing notification that Bank Artha Graha will close your account or User ID if you do not confirm with your personal data, do not reply or click on the link in the e-mail.
  4. Do not be tempted to follow the suggestion to transfer to a specified account, with the aim of getting the prize raffle.
• Should the reported location phishing or suspicious e-mail?

  If you have any questions about the e-mail sent by Bank Artha Graha or if you feel that someone is trying to misuse of Bank Artha Graha, immediately contact Graha Call at . to confirm.

• What is the Keylogger?

  Keylogger is an application or software that can be lock the keyboard keys by using a specific logger program. Thus, anything that is typed by the user on the screen, can recorded. This means that even when typing a password in the box password that appears on the monitor simply ***** for example, but the contents The password can be automatically recorded and can be read by those who want to harm you.

• How keyloggers work?

  Keylogger just record keystrokes on the keyboard and store them somewhere for later retrieved. Technically, the keylogger will catch all the characters are entered into the computer unless the [Ctrl] + [Alt] + [Del].

• Are Graha Retail Banking safe from Keylogger?

  For the customers of Bank Artha Graha need not worry over Keylogger, Retail Banking for Graha application is equipped with virtual keyboard for a password when signing in to the service internet banking. So when you use the internet service banking on a shared computer, it is recommended to use virtual keyboard to enter a password.

• What is the Cybersquating?

  Cybersquatting is a crime committed by register domain names the company of others and then seek sell it to the company with a more expensive price. Annexation domain name is to register your site with wear brand name or another person without right before the owner legitimate registering, then attempt to offer sites to the person or the owner of the mark concerned with a very high price.

• Are Graha Retail Banking avoid Cybersquating?
  • Bank Artha Graha has bought all possible domain names be a typo for www.arthagraha.com
  • Bank Artha Graha has acted prophylactic measures ie, by registering the presence of the company name or its brand into all types of domain names available.
• What is the annexation domain name?

  grabs the domain name is the act of someone who is not entitled or not the actual name owners who have gone before register popular names she knew the purpose to resell to interested parties on behalf The above acquisition cost.

• What is a Man in the Middle Attack?

  Man in the Middle Attack is one of the raids on stage gain access. In this way one can read, inserts, and falsifying data between two computers that are connected in a single network. Man in the Middle Attack can when computers attacker is on the same network with two other computer as the name suggests, Man in the Middle, the attacker must put yourself in the middle of communication between the computer and the computer User A User B.

• Are Graha Retail Banking avoid the Man in the Middle Attack?
  • Yes, because Graha Retail Banking has been used app https (http over SSL) protocol as a very safe, This protocol ensures data security from the browser to the web server. MITM attack (man in the middle) can not be done on https because https authentication features so that the attacker does not can masquerade as a web server. Although MITM attack can not be performed on https, but the attacker can still attack the user that use http as the entrance to https.
  • Then https used by Bank Artha Graha is SSL at http a protocol that has a very high level of security. SSL not only set about encryption, but also regulates authentication so that SSL is not vulnerable to MITM attacks. SSL use certificates that utilize public key and lock private as a way to perform authentication. With use these SSL certificates, web visitors can be sure of being communicate with the web server is right, not the attacker in the middle disguised as a sites web server.
  • The attacker is trying to be "the person in the middle", will easily get caught because the attacker can not prove identity with a valid SSL certificate. SSL certificates valid must be signed by a CA (certificate authority) who trustworthy and stored in the browsers list of trusted CA. so when attacker tried to create their own SSL certificate, the browser will gave a stern warning to visitors that the SSL certificate is not trustworthy and visitors are advised to cancel visit because you risk MITM attack. MITM new attack can succeed if visitors still stubborn and desperate for using the fake certificate. If this happens, then the blame lies with the user and not the weakness of SSL as a protocol. Thus make sure you only access the service Graha Banking Retail in https://ib.bankarthagraha.co.id/index.html.com through www.arthagraha.com
  • Internally Bank Artha Graha enforce standards for data security Centre with access control and access to preventive anticipation employees are not entitled to join and gain access directly to the internet banking server. Besides the sensitive data store them in a database in encrypted form, so administrators Internet banking system was not able to know, for example password, no HP or T-PIN from specific users.

Thank You