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Ini Pentingnya AI Governance dalam Membantu Lindungi Data Nasabah di Industri Keuangan

Helios Informatika Nusantara dan Dataiku mendukung pengelolaan AI Governance melalui platform Enterprise AI.

AI semakin banyak digunakan di industri Financial Services Industry (FSI), mulai dari mendeteksi fraud hingga menilai risiko kredit. Teknologi ini membantu bank, perusahaan pembiayaan, dan asuransi mengolah data untuk mendukung pengambilan keputusan bisnis. 

Namun, bagaimana jika data nasabah diakses oleh pihak yang tidak berwenang atau model credit scoring dikembangkan tanpa dokumentasi yang memadai? Karena itu, perusahaan membutuhkan AI Governance untuk mengatur akses data, mengawasi penggunaan AI, dan memastikan setiap proses mengikuti kebijakan internal. 

Lalu, apa itu AI Governance, mengapa penting bagi industri keuangan, dan bagaimana membantu perusahaan mengelola AI secara lebih terkontrol? Simak pembahasannya berikut ini. 

 

Key Takeaways 

  • AI Governance membantu perusahaan FSI mengelola risiko, akses data, dan penggunaan AI. 
  • Dataiku mendukung pengaturan akses, governance terpusat, dan traceability. 
  • Governance yang terstruktur membantu perusahaan memperluas penggunaan AI dengan tetap mempertimbangkan security dan accountability. 

 

Mengapa AI Governance Penting untuk Melindungi Data Nasabah dan Mengelola Risiko?

Bank, perusahaan pembiayaan, dan asuransi mengelola data yang sensitif, mulai dari identitas nasabah hingga riwayat transaksi dan informasi keuangan. Ketika data tersebut digunakan untuk mengembangkan AI, perusahaan perlu memastikan bahwa akses dan penggunaannya sesuai dengan kewenangan serta tujuan yang ditetapkan. 

Misalnya, tim fraud analytics membutuhkan data transaksi untuk mendeteksi aktivitas mencurigakan, sedangkan tim lain mungkin hanya memerlukan hasil analisisnya. Tanpa pengaturan akses yang jelas, perusahaan berisiko menghadapi penggunaan data yang tidak semestinya. 

 

Apa Risikonya Jika Penggunaan AI di Perusahaan Keuangan Tidak Terkontrol?

Ada tiga tantangan yang perlu diperhatikan perusahaan FSI ketika mulai memperluas penggunaan AI. 

Perlindungan Data Nasabah

Tidak semua tim membutuhkan akses ke seluruh data. Perusahaan perlu membatasi akses berdasarkan role, tanggung jawab, dan kebutuhan pekerjaan untuk membantu mengurangi risiko penggunaan data yang tidak semestinya. 

Visibilitas Terhadap Proyek AI

Ketika tim risk, fraud, dan analytics mengembangkan use case masing-masing, perusahaan membutuhkan cara untuk memantau pemilik proyek, status pengembangan, dan proses persetujuannya. 

Kebutuhan Audit & Traceability

Perusahaan perlu dapat menelusuri bagaimana data digunakan, perubahan yang dilakukan, serta proses yang dilalui sebelum solusi AI diterapkan. Dokumentasi yang tersebar dapat menyulitkan proses review dan investigasi. 

Tantangan ini menunjukkan bahwa Enterprise AI Security tidak hanya berkaitan dengan perlindungan infrastruktur. Pengaturan akses, pengawasan proyek, dan pengelolaan lifecycle AI juga perlu menjadi bagian dari strategi perusahaan. 

 

Bagaimana Dataiku Govern Membantu Bank Mengelola AI secara Lebih Terkontrol?

Dataiku merupakan Enterprise AI Platform yang mendukung pengembangan analytics, machine learning, Generative AI, dan AI agents. Platform ini juga membantu perusahaan mengelola akses dan proses governance AI secara lebih terstruktur. 

Melalui Dataiku Govern, perusahaan dapat mendokumentasikan proyek AI, menetapkan stakeholder, serta mengatur proses review dan approval sesuai kebijakan internal. Misalnya, sebelum model credit scoring digunakan, bank dapat menetapkan pemilik model, pihak yang melakukan review, dan tahapan persetujuan yang diperlukan. 

Selain itu, pengaturan permissions membantu perusahaan mengontrol akses terhadap project dan aset data sesuai konfigurasi platform. Dengan demikian, pengembangan AI dapat berjalan seiring dengan pengawasan dan kontrol yang lebih terstruktur. 

Agar penerapannya efektif, perusahaan tetap perlu memiliki kebijakan keamanan, risk management, dan pengawasan internal yang sesuai dengan kebutuhan bisnis serta ketentuan yang berlaku. 

 

6 Fitur Dataiku untuk Governance dan Keamanan AI

Dataiku menyediakan kapabilitas untuk membantu perusahaan FSI mengatur akses, memantau proyek, dan mengelola penggunaan AI secara lebih terstruktur. 

1. Role-Based Access Control

Dataiku memungkinkan perusahaan mengatur akses berdasarkan role dan tanggung jawab masing-masing pengguna. Dengan begitu, tim fraud analytics, misalnya, hanya dapat mengakses data dan fitur yang relevan dengan pekerjaannya. 

2. Centralized Governance

Melalui Dataiku Govern, perusahaan dapat menerapkan governance secara terpusat pada berbagai proyek dan use case AI. Pendekatan ini membantu menjaga konsistensi kebijakan, proses review, dan approval di seluruh organisasi. 

3. Data & Project Access

Perusahaan dapat mengatur permission untuk mengakses project, dataset, dan aset tertentu. Pengaturan ini membantu memastikan informasi sensitif hanya dapat digunakan oleh pihak yang memiliki kewenangan sesuai kebutuhan bisnis. 

4. Traceability / Auditability

Kapabilitas seperti data lineage dan pencatatan aktivitas membantu perusahaan menelusuri penggunaan data, perubahan workflow, serta aktivitas dalam proyek AI. Informasi tersebut dapat mendukung kebutuhan evaluasi dan audit internal. 

5. Secure AI Environment

Dataiku mendukung pengelolaan AI dalam environment yang dapat disesuaikan dengan kebutuhan keamanan perusahaan. Hal ini penting bagi institusi FSI untuk menjaga perlindungan data dan memastikan implementasi AI mengikuti security requirements internal. 

6. Governance Across AI Lifecycle

Governance perlu diterapkan sepanjang siklus hidup AI, mulai dari pengembangan, pengujian, deployment, hingga penggunaan. Dataiku membantu perusahaan mengelola proses dan kontrol tersebut agar setiap implementasi AI tetap berada dalam kerangka kebijakan yang telah ditetapkan. 

 

Apa Manfaat Implementasi AI Governance dengan Dataiku? 

Penerapan AI Governance dengan Dataiku membantu perusahaan FSI mengelola penggunaan AI dengan lebih terstruktur, mulai dari pengaturan akses hingga pengawasan proyek. 

Manfaat 

Penjelasan 

Better Control Mengatur akses user, project, dan data sesuai peran serta kebutuhan pekerjaan. 
Secure AI Adoption Membantu perusahaan mempertimbangkan keamanan dan perlindungan data dalam pengembangan AI. 
Centralized Governance Memudahkan pengelolaan informasi proyek, stakeholder, serta tahapan review dan approval. 
Improved Traceability Membantu menelusuri penggunaan data dan workflow untuk mendukung evaluasi serta audit. 
Scale AI with Confidence Mendukung perluasan use case AI dengan tetap mempertimbangkan kontrol dan akuntabilitas. 

Mengapa Dataiku untuk Mendukung AI Governance di Industri FSI?

Bagi perusahaan FSI, penerapan AI bukan hanya tentang menghasilkan insight, tetapi juga memastikan penggunaannya dapat dipertanggungjawabkan. Dataiku membantu menghubungkan pengembangan AI dengan kebutuhan kontrol akses, dokumentasi, dan pengawasan melalui kapabilitas governance dalam satu platform. 

Dengan dukungan Dataiku, perusahaan dapat membangun proses pengelolaan AI yang lebih terstruktur sesuai kebutuhan bisnis, karakteristik data, dan kebijakan internal. Pendekatan ini membantu perusahaan mengembangkan AI dengan tetap mempertimbangkan keamanan dan pengelolaan risiko. 

Bangun AI Governance yang Lebih Terstruktur bersama Dataiku

AI dapat membantu perusahaan FSI meningkatkan kemampuan fraud detection, analisis risiko kredit, dan pengolahan data. Namun, semakin luas penggunaannya, semakin penting pula memastikan data, akses, dan proses pengembangan AI dikelola secara bertanggung jawab. 

Dataiku membantu perusahaan membangun pendekatan AI Governance yang lebih terstruktur melalui kontrol akses, centralized governance, dan traceability. 

Ingin mengetahui bagaimana Dataiku dapat mendukung kebutuhan governance dan keamanan AI di perusahaan Anda? Hubungi Helios Informatika Nusantara untuk mendiskusikan solusi Dataiku yang sesuai dengan kebutuhan bisnis dan technology environment Anda. 

 

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PRIVACY POLICY

At PT Helios Informatika Nusantara, ensuring the privacy and security of your information is of utmost importance to us. As you navigate through our website, https://www.helios.id/, collectively referred to as this “Website”, we strive to create a safe and trustworthy environment for all users. This Privacy Policy establishes the terms governing your use of our website between you (“you” or “your”) and [Helios Informatika Nusantara]. By accessing our website, you acknowledge that you have reviewed, understood, and consent to be bound by this Privacy Policy.

Information We Collect

When utilizing or engaging with our Website, we may gather or receive various types of information, collectively referred to as “Information”, including but not limited to:
  1. “Personal Information,” such as your name, email, contact details, or any other personal content provided to us via forms on our website or other means of communication (e.g., email, phone, mail, etc.).
  2. “Technical Information,” such as browser type, operating system, device type, IP address, and similar technical data typically obtained automatically from browsers or devices when interacting with our Website. This may also encompass the referring URL that directed you to our website.
  3. “Usage Information,” such as the pages visited on our website, click activity, searches conducted, and other related data on how you have utilized our website. This category may also encompass details regarding your interaction with emails, including whether you opened, clicked on links, or received them.
We acknowledge that certain Technical Information or Usage Information may be considered personal data, either independently or when combined with other data, under various laws and jurisdictions. We are committed in handling such data in accordance with applicable laws and regulations.

The Methods We Use to Collect and Receive Information

Depending on the type of Information, we collect or receive it through various channels, including but not limited to the following conditions:
  1. When you voluntarily share Information with us. For instance, when you subscribe to our newsletter or fill out our online form to request contact.
  2. By using cookies and similar technologies. These technologies help us analyze how our Website is utilized and tailor content that is pertinent to you. They also assist in delivering more relevant advertisements on our own or third-party sites.
  3. Information obtained from third-party sources. This encompasses Information acquired through various business support tools and services we utilize, such as Website, analytics services, etc., as well as public sources like social media sites. We may merge the Information from these sources with other data we possess to maintain updated records and provide you with pertinent content.

The Purposes

We utilize Information for the following purposes:
  1. Processing your inquiries and responding to your requests, such as when you reach out to learn more about our products or services.
  2. Sending you information related to our services and products that we believe may be of interest to you, such as an invitation to our upcoming events, follow-up by WhatsApp blast and/or call, newsletters, or updates on products and services. These communications are sent to you either based on your explicit consent or when we have a legitimate interest in marketing our products and services. You always have the option to optout of receiving invitation, newsletters, and/or updates on products and services.
  3. Understanding how you interact with our Website and tailoring it to align with your interests, past actions, and preferences. We do this to enhance our Website, diagnose any issues, and improve your experience while navigating through them.
  4. Preventing fraud or harm to us or any third party, and ensuring the security of our network and services, which is in our legitimate interest.
  5. Complying with our legal obligations and exercising and enforcing our legal rights as necessary for PT Helios Informatika Nusantara.
  6. Utilizing certain third-party marketing and advertising networks to assist in marketing our products on our website and third-party Website.

Who We Share Information With

To facilitate our business operations and the functioning of our Website, we may disclose Information to various third parties, including:
  1. Our global branches and subsidiary companies.
  2. Third-party service providers aiding in the operation of our Website, such as hosting companies, recruitment platforms and agencies, payment processors, business management,and email distribution service providers, and similar service providers. These entities are authorized to use your personal information solely to provide these services to us.
  3. When compelled by law, such as to comply with court orders, search warrants, regulatory orders, subpoenas, and other lawful requests from public authorities, including those for national security or law enforcement purposes.
  4. Legal authorities, consultants, advisors, or service providers required to investigate, respond to, or prevent fraud, or to ensure the security of our network and services and safeguard the well-being of PT Helios Informatika Nusantara or the public.
  5. In the event of a merger and/or acquisition involving PT Helios Informatika Nusantara, Information may be transferred to the merging or acquiring entity, as well as to any advisors representing parties involved in discussions related to such merger or acquisition.
  6. Principal, resellers, partners, sponsors, or service providers acting on our behalf in conjunction with the offering of PT Helios Informatika Nusantara]’s products or services.
  7. Third-party marketing and advertising networks assisting in the promotion of our products on our Website and on third-party websites, such as Google for remarketing ads across the Internet.
  8. PT Helios Informatika Nusantara may also disclose general aggregate and anonymized information (e.g., statistical data) pertaining to the use of its Website.

Cross Border Data Transfers

  1. We may need to transfer Information to countries where we and/or our service providers operate. These countries may have different data protection laws compared to the country where the data originated, potentially offering different levels of protection. By using our Website, you consent to such transfers. In cases where applicable to the services provided, we will establish agreements with our service providers to ensure a level of privacy consistent with the terms of this policy.
  2. Regarding the collection, use, and retention of personal information transferred from Indonesia, please note that PT Helios Informatika Nusantara remains compliant with all relevant laws concerning such transfers.

Protecting Your Information

We aim to uphold top-tier security standards throughout our business operations. We have adopted suitable technical and organizational safeguards aligned with industry best practices. These safeguards are devised to prevent unauthorized access or unlawful handling of Personal Information and to mitigate the risk of accidental loss, destruction, or damage of such information. As part of these efforts, we have instituted several policies and procedures to guide us, covering aspects such as asset management, access control, physical security, personnel security, product security, cloud and network infrastructure security, third-party security, vulnerability management, security monitoring, and incident response.

Information Storage and Retention

We may store Information on both our own servers and those managed by third-party data hosting providers. As explained in Section 5 above (Cross Border Transfers), these servers may be situated globally. We will retain your Personal Information only for as long as necessary to fulfill the collection’s intended purpose. Additionally, we may retain your Personal Information for the duration required to pursue our legitimate business interests, address any legal claims, and ensure compliance with legal obligations. In instances where we utilize your information for direct marketing, we will retain your data until you choose to opt-out of receiving marketing materials; however, certain information may need to be retained to maintain a record of your request.

Modifications to This Policy

PT Helios Informatika Nusantara reserves the right to amend this Privacy Policy at any time. In the event of a significant change, we will provide notice on this page and/or adjacent to the link leading to this page. These updates will become effective immediately for new Information collected or provided from the date of the update, and within thirty (30) days for any Information collected or provided to PT Helios Informatika Nusantara prior to the update. If you do not agree to the terms of the revised policy, please contact our Legal Department using the contact details provided in Section 11 below. We encourage you to periodically review this page for any updates.

Your Choices

We offer you various options regarding the use of Information in relation to: (i) our marketing activities; and (ii) our utilization of cookies and similar technologies for interest-based advertising and website usage analysis
  1. You can choose to discontinue receiving our newsletter or marketing emails by following the unsubscribe instructions included in these emails, adjusting email preferences in your account settings page, or contacting us through https://www.helios.id/. You can manage your preferences concerning our use of cookies and similar technologies, which are used to provide targeted interest-based advertisements and analyze your website usage, by referring to our Cookie Policy for guidance.
  2. Moreover, the laws in some jurisdictions may grant you various rights concerning our processing of certain Information. These rights may include:
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    • The right to rectify or update any Personal Information;
    • The right to request the erasure of certain Information;
    • The right to temporarily suspend our processing of certain Information;
    • The right to receive Information in a common machine-readable format;
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We will address your requests promptly. Please note that these rights may be subject to limitations under applicable law. For further information on these rights or to exercise them, please contact [Helios Informatika Nusantara] at: [email protected]

Social Media and Third-Party Services

Our Website may include a blog with a ‘comments’ section and several social media features, such as a ‘share’ button or links to third-party websites and services like Facebook, X, YouTube, LinkedIn, and Instagram. When utilizing these features, certain information may be gathered by these third parties, such as your IP address or the specific page you are visiting on our website. Additionally, these third parties may set cookies to ensure the proper functioning of the features. Any data collected by these third parties is subject to their respective privacy policies. We encourage you to thoroughly review the privacy policies of these third parties.

Contacting Us

If you have any questions or concerns regarding this Website Privacy Policy, the information we collect, PT Helios Informatika Nusantara’s practices, or your interactions with the Website, please feel free to contact us. You can reach us via email at [email protected] or by physical mail addressed to: PT Helios Informatika Nusantara  Centennial Tower, 12th Floor Jl. Jend. Gatot Subroto Kav. 24-25 Jakarta 12930, Indonesia phone: +62 21 8062 22