BAGIAN / CHAPTER 3
BAGIAN / CHAPTER 3
Gambar 34 : Kerugian akibat insiden siber di beberapa sektor tahun 2004 -2023 (dalam USD Miliar) Sumber : International Monetary Fund (2024) Figure 34s : Losses from Global Cyber Incidents by Sector in 2004-2023 (in USD Billion) Source : International Monetary Fund (2024)
with banks as the primary target, followed by insurers and asset managers. These attacks have resulted in substantial direct losses to financial firms, totaling nearly USD 12 billion since 2004 and USD 2.5 billion since 2020. Cyber incidents pose a significant operational risk that can jeopardize the operational resilience of financial institutions and adversely impact overall macroeconomic stability. A cyberattack on a financial institution or critical infrastructure can destabilize the macroeconomy through three primary channels: loss of confidence, irreplaceability of services, and interconnectedness. While cyber incidents have not yet triggered systemic crises, the ongoing acceleration of digital transformation and technological advancements such as artificial intelligence, amplify this risk.
dilaporkan menargetkan industri keuangan selama dua dekade terakhir, dimana bank merupakan target utama, diikuti oleh perusahaan asuransi dan manajer aset. Serangan siber ini mengakibatkan kerugian langsung yang cukup besar bagi lembaga keuangan, dengan total hampir USD 12 miliar sejak tahun 2004 dan USD 2,5 miliar sejak tahun 2020. Insiden siber menimbulkan risiko operasional secara signifikan yang dapat membahayakan ketahanan lembaga keuangan dan berdampak pada stabilitas ekonomi makro secara keseluruhan. Serangan siber terhadap lembaga keuangan atau infrastruktur yang penting dapat mengganggu stabilitas ekonomi makro melalui tiga jalur utama: hilangnya kepercayaan konsumen, ketiadaan layanan pengganti, dan keterkaitan antar tiap lembaga keuangan. Meskipun insiden siber belum memicu krisis sistemik, adanya percepatan transformasi digital yang terus berlangsung dan kemajuan teknologi seperti kecerdasan buatan, dapat semakin meningkatkan memperkuat risiko siber.
- 80
- 70
Others Manufacturing
- 60
Retail trade
- 50
Public administration
- 40
Banks
- 30
Services
Asset managers
Insurers
- 20
- 10
Others
Finance
Finance
Gambar 33 : Jumlah Insiden Siber di Beberapa Sektor Tahun 2004-2023 (dalam Ribuan) Sumber : International Monetary Fund (2024) Figure 33 : Number of Global Cyber Incidents by Sector in 2004-2023 (in Thousands) Source : International Monetary Fund (2024)
Recognising the critical nature of these threats, FSOL mandates the implementation of secure and reliable information systems, including robust cybersecurity, as a fundamental principle for the Financial Services Technology Innovation, Digital Financial Assets and Crypto Asset industries. In line with this provision, the Financial Services Authority (OJK) has also emphasised the importance of cybersecurity and cyber resilience in the Financial Services Authority Regulation (POJK) No. 3 of 2024 on the Provision of Financial Technology Innovation. This regulation integrates cybersecurity into the regulatory framework and requires sandbox participants and financial technology innovation providers (ITSK) to comply with established cybersecurity principles, which include reliability and cyber resilience. Beyond regulations, the Financial Services Authority (OJK) has also developed comprehensive cybersecurity guidelines specifically for the financial technology innovation, digital financial assets and crypto assets industries. The OJK
Menyadari sifat dari insiden siber yang sangat kritikal, UUP2SK mengamanatkan penyelenggaraan sistem informasi yang aman dan andal, termasuk ketahanan siber yang tangguh, sebagai prinsip dasar industri Inovasi Teknologi Sektor Keuangan, Aset Keuangan Digital, dan Aset Kripto. Sejalan dengan ketentuan tersebut, OJK juga menegaskan pentingnya keamanan siber dan ketahanan siber dalam Peraturan Otoritas Jasa Keuangan (POJK) Nomor 3 Tahun 2024 tentang Penyelenggaraan Inovasi Teknologi Sektor Keuangan. Peraturan ini mengintegrasikan keamanan siber ke dalam kerangka regulasi, yang mewajibkan peserta Sandbox dan Pelaku ITSK untuk mematuhi prinsip keamanan siber yang telah ditetapkan, yang mencakup keandalan dan ketahanan siber. Selain peraturan, OJK juga mengembangkan pedoman keamanan siber komprehensif yang dirancang khusus untuk industri industri Inovasi Teknologi Sektor Keuangan, Aset Keuangan Digital, dan Aset Kripto. OJK telah meluncurkan
140 -
Others Manufacturing Retail trade Public administration
120 -
100 -
80 -
60 -
Services
Asset managers
Insurers
40 -
20 -
Finance Banks Others
Finance
0 -
Peta Jalan Pengembangan dan Penguatan Inovasi Teknologi Sektor Keuangan, Aset Keuangan Digital dan Aset Kripto 2024 - 2028
Roadmap for Developing and Strenghthening Financial Sector Technology Innovation, Digital Financial Asset, and Crypto Asset 2024 - 2028
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