AdaKami Supports Strengthening Cross-Sector Prevention of Digital Fraud and Scams

PT Pembiayaan Digital Indonesia (AdaKami) has underscored the importance of education and cross-sector collaboration to address fraud. This commitment was expressed at the Executive Policy Forum on Collaborative Handling of Digital Fraud and Scams, organised by the Indonesian Association for Digitalisation and Cyber Security (ADIGSI).

The increasing trend of digital fraud has necessitated stronger vigilance and public literacy. Data from the Indonesia Anti-Scam Centre (IASC) of OJK records more than 432,000 reports of digital scams from November 2024 to January 2026, with total losses amounting to around Rp 9.1 trillion.

ADIGSI General Chairman, Firlie Ganinduto, stated that digital fraud poses one of the threats to Indonesia’s cyber resilience amid massive digital development.

“The development of technologies like Artificial Intelligence (AI) is a double-edged sword. On one hand, this technology facilitates human activities, but on the other, it is exploited by irresponsible parties for gain. Therefore, collaboration between regulators and the private sector is key to strengthening cyber security while enhancing user education,” Firlie explained, as quoted on Friday (17/4/2026).

In the panel session titled “Strengthening National Coordination in Handling Digital Fraud and Scams”, AdaKami participated alongside IASC OJK, BSSN, and AFPI to discuss preventive measures. The discussion covered steps to increase user awareness and alignment of approaches in managing cybercrime dynamics.

Head of the IASC Task Force Secretariat for Eradicating Illegal Financial Activities at OJK, Hudiyanto, emphasised that digital fraud and scams have evolved into structural, systematic challenges, even forming a kind of “industry”.

“Therefore, collaborative actions are needed to address them. OJK, along with the PASTI Task Force and all relevant businesses and associations, continues to strengthen consumer and public protection in handling digital fraud and scams,” Hudiyanto said.

On the same occasion, Deputy for Cyber Security and Economic Encryption at BSSN, Slamet Aji Pamungkas, added that from January to 15 November 2025, there were nearly 5.2 billion traffic anomalies, with 93.78% being malware potentially turning into ransomware.

“These findings illustrate the vast potential for cyber attacks in Indonesia. Through Presidential Regulation No. 47 of 2023 on the National Cyber Security Strategy and Cyber Crisis Management, we are partnering with state organisers, businesses, academics, and communities to realise security and cyber defence, protect the digital economic ecosystem as the backbone of the national economy, and enhance national cyber security capabilities,” Slamet stated.

Meanwhile, AFPI Executive Director, Yasmine Meylia Sembiring, also highlighted the importance of the industry’s role.

“As a P2P association, we prioritise consumer protection and encourage a shift from case handling to more proactive and integrated prevention. Through the AFPI complaint portal, we also receive reports on illegal platforms, which we then coordinate with the PASTI Task Force for follow-up. Moving forward, AFPI will continue to play an active role in maintaining a healthy and trusted digital ecosystem,” she explained.

AdaKami’s Chief of Public Affairs, Karissa Sjawaldy, stated that digital fraud and scams are industry issues and shared responsibilities. AdaKami is committed to strengthening consumer protection through technology-based security systems and ongoing education, so users are protected from various scams while building trust in digital services.

“We also recognise that these efforts cannot be done alone. Therefore, AdaKami continues to synergise with regulators, associations, and strategic partners to strengthen a safer digital ecosystem, including through participation in this forum,” Karissa said.

As information, this forum is one of AdaKami’s steps to strengthen collaboration in preventing digital fraud. In its operations, AdaKami continues to enhance security systems to protect the platform from potential cyber attacks through technologies such as artificial intelligence (AI) and big data, including ongoing risk monitoring and detection of suspicious activities.

To protect user accounts, AdaKami implements an electronic Know Your Customer (e-KYC) process with liveness detection features as part of identity verification, along with various other security features in line with industry standards. Additionally, AdaKami consistently promotes public literacy through the #SelaluWaspada campaign, including safeguarding personal data, recognising scam signs, illegal online loans, and verifying information only through official channels and trusted sources.

“Through these efforts, AdaKami also invites the public to be wiser in digital transactions and avoid assistance from unknown parties to prevent potential scams,” she concluded.