Financial information often taken for granted, such as transaction history, account numbers, or card limits, can actually be a gateway for various forms of digital crime. Many people focus solely on financial losses, but financial data actually serves as a comprehensive map that illustrates a person's behavior and habits. By understanding shopping patterns or frequently used services, perpetrators can identify loopholes for manipulation.
The most common form of abuse occurs in the form of identity theft. With basic data like phone numbers, transaction history, and other pieces of personal information, fraudsters can create fake accounts, apply for loans, or even access the victim's financial services. This method is increasingly dangerous because deepfake technology and AI voice cloning make it easier for perpetrators to imitate someone's voice or identity to convince victims and banks.
Selain itu, informasi finansial juga dapat digunakan untuk melakukan phishing yang lebih terarah. Ketika penipu memahami aktivitas finansial seseorang misalnya sering belanja di platform A atau menggunakan dompet digital tertentu mereka dapat mengirim pesan palsu yang tampak sangat meyakinkan. Korban sering kali tidak menyadari jebakan ini karena pesan yang diterima terasa relevan dengan kebiasaan mereka.
Dalam skala lebih luas, data finansial yang bocor dapat dipakai untuk membuat profiling tanpa izin, mempengaruhi keputusan konsumen, atau bahkan memanipulasi perilaku belanja. Inilah sebabnya literasi privasi menjadi sama pentingnya dengan literasi keuangan. Pengguna perlu memahami bahwa menjaga keamanan data bukan hanya melindungi uang di rekening, tetapi juga melindungi identitas dan kendali atas kehidupan finansial mereka.
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