Comprehensive Strategy to Protect Consumers in the Digital Era
Jakarta – Results from the 2025 National Survey on Financial Literacy and Inclusion (SNLIK) show that financial inclusion in Indonesia has reached 92.74%. However, the public’s financial literacy level remains at only 66.46%.
Given this situation, Bank Indonesia Governor Perry Warjiyo has emphasised the importance of improving financial literacy to prevent various financial crime risks, including illegal online lending.
According to Perry, financial literacy is important so that people not only gain access to financial products, but also understand their benefits, risks, and consumer protections.
“Our national financial inclusion rate has reached 92.74% and we need to increase it towards our target of 98% by 2045, as outlined in the National Medium-Term Development Plan 2025-2045. The challenge is to increase financial inclusion while simultaneously raising financial literacy levels,” Perry said in his keynote speech at the KLIK Action event (Strengthening Financial Literacy and Inclusion for Welfare).
As is well known, the Ramadan season consistently drives increased economic activity and digital financial transactions among the public. Amid this growth, financial crime risks and various financial scam schemes are also showing an increasing trend with patterns that are increasingly adaptive and structured.
This development represents a serious challenge to financial ecosystem stability, consumer protection, and the sustainability of public trust in formal financial services. Within the context of the continuously evolving digital transformation of the financial sector, strengthening system resilience depends not only on oversight and technology aspects, but also on enhancing public literacy and vigilance as the first line of defence.
Therefore, a comprehensive approach is needed through strengthening policies, cross-sector coordination, and synergy between regulators, financial service providers, digital service providers, and other stakeholders.
As part of these efforts, a strategic dialogue space is required to align policy direction, public education strategies, prevention mechanisms, and responses to evolving fraud threats, particularly during periods of high transaction intensity such as the Ramadan season.
For this reason, CNBC Indonesia will soon launch Financial Literacy Talks as a collaborative forum between regulators and industry players to discuss strengthening financial literacy and consumer protection in the digital era.
With the theme “Strengthening Financial Literacy for a Secure Digital Economy,” this forum is expected to strengthen policy synergy and implementation at the ecosystem level, encourage more effective and integrated education initiatives, and support the creation of a safe, inclusive, and resilient digital financial system to maintain financial sector stability and enhance public trust sustainably.