I am a customer of Bank Niaga. On 31 May 2001, around 7pm, together with some friends I went to Pondok Indah Mall (PIM), Jakarta. We decided to take some money out at the Niaga ATM before going shopping. When I put in my ATM card, I was surprised that the machine suddenly ‘swallowed' it. I had not done any procedures, or even entered my pin number. I was shocked and quickly let my friend know about the incident. A friend suggested I inform a