|
Generally, a small quantity reveals an enormous crack within the system. My title is Rico Pebriansyah, an everyday digital banking buyer from Indonesia. On July 1st, 2025, at 03:37 AM, my account was charged Rp98,267.05 by a overseas service provider (TAKEY SPORTS*Marilde UBERLANDIA BR – Brazil). The transaction failed as a result of inadequate stability, however I used to be nonetheless charged a Rp5,000 failed transaction price. The bizarre half? I by no means made that transaction, and but the system logged it, processed it, and even cost me for failing. I reported it instantly to my digital financial institution (Financial institution Jago) on July 4th, 2025. They promised a “1-day response.” 9 days later: silence. Then I escalated to OJK (Indonesia’s Monetary Authority), LAPS SJK, IASC, and eventually to Financial institution Indonesia (our Central Financial institution) beneath case BICAS-xxxx25-00272-E. Every regulator bounced it in another way “not a mediation case,” “not registered,” “only a failed price.” Till one reply lastly acknowledged that the case might proceed beneath Article 47 Paragraph 3 of Financial institution Indonesia Governor’s Regulation No.20/2023, which permits facilitation between shopper and supplier. I do know it sounds absurd – a Rp5,000 case (about $0.30) climbing all the way in which to the Central Financial institution stage. However that’s the purpose. If a minor system error can’t be dealt with transparently, what occurs when it’s hundreds of thousands? I don’t care concerning the cash. I care concerning the integrity of a system that punishes a buyer for one thing they didn’t do after which hides behind procedures. Full chronology is right here: 👉 When Rp5,000 No Longer Feels Small How a Minor Failure Uncovered a Digital Banking Flaw And sure, the dialogue has began right here: 💬 Reddit: Rp5,000 vs Digital Banking System When a Minor Transaction Exhibits a Main Crack – – – Generally, it’s not about successful or shedding it’s about displaying that even the smallest anomaly deserves accountability. As a result of when belief fails at Rp5,000, it’s solely a matter of time earlier than it collapses at Rp5,000,000. Rico Pebriansyah Not an IT Safety Skilled – however I roasted your system. 🔥 https://preview.redd.it/08vl6bl898uf1.jpg?width=1024&format=pjpg&auto=webp&s=47d6f9804078a733c0995edd3b2e86c9af26cf7c submitted by /u/Dry-Info-1356 |