Combating Vicious Cyberattacks: Three Critical Investments Fintech Must Make

Personal data security has become a critical issue in expanding the penetration of digital financial services (LKD) amid intensive cyberattacks and growing sophistication in financial fraud methods.

Karaniya Dharmasaputra, Steering Committee member of Indonesia Fintech Society (IFSoc), stated that in the era of technological digitalisation advancing towards Artificial Intelligence (AI), the National Cybersecurity Agency (BSSN) has recorded approximately 4.4 billion cyberattack anomalies through September 2025. Consequently, financial institutions and industries adopting digital technology must not only implement cybersecurity prevention measures but also strengthen the resilience of their digitalisation systems.

To reinforce data security and consumer protection, IFSoc identifies three investments the industry must prioritise: investment in human resources and digital talent, investment in technology infrastructure, and promotion of customer and consumer literacy to anticipate cyberattacks.

The discussion explores the dangers and strategies for addressing cyber threats in digital financial services, featuring dialogue between Serliana Salsabila and Karaniya Dharmasaputra, Steering Committee member of Indonesia Fintech Society, on the CNBC Indonesia programme Profit on Wednesday, 25 February 2026.