OJK Drafts Cybersecurity Guidelines for Online Lending Industry

Jakarta (ANTARA) — The Financial Services Authority (OJK) is currently drafting cyber security and resilience guidelines for the online lending (pinjaman daring or pindar) industry as an effort to strengthen protection against the risk of cyber attacks, an OJK official said.

The guidelines are expected to serve as a reference for operators in conducting periodic cyber risk assessments, according to Agusman, Executive Head of the Supervision of Financing Institutions, Venture Capital, and Other Financial Services (PVML) at OJK.

The guidelines are also expected to help improve cyber security and resilience capabilities, he said at a press conference on the results of the OJK Monthly Board of Commissioners Meeting (RDK) in Jakarta on Tuesday.

Agusman acknowledged that cyber risk is one of the main concerns in the online lending industry, given that the entire business process is conducted through digital platforms.

Therefore, online lending operators need to implement adequate cyber risk management to protect data and maintain system reliability.

OJK recorded that outstanding financing in the online lending industry grew 25.88 per cent year-on-year (yoy) to Rp105.14 trillion in June 2026.

This financing growth was accompanied by an aggregate non-performing loan risk level, or 90-day default rate (TWP90), of 4.26 per cent.