OJK Warns of Increasingly Sophisticated Deepfake Threats, Digital Literacy as a Fortress
The Financial Services Authority (OJK) considers digital literacy to be one of the keys to facing the increasing threat of cyber fraud utilising artificial intelligence (AI) and deepfake technology. The public’s ability to recognise digital crime modes needs to be continuously strengthened in line with rapid technological developments.
Daniel Apriandi, Deputy Director of the OJK Consumer Protection Department and Secretariat of the PASTI Task Force, stated that cyber criminals are increasingly using AI to manipulate digital identities, making fraud more difficult to recognise. “The low level of digital literacy remains the main gap exploited by criminals,” Daniel said.
According to Daniel, phishing and social engineering modes continue to increase. This situation is exacerbated by the use of AI and deepfakes, which can now convincingly imitate a person’s face, voice, and body language. “Scams using phishing and social engineering modes continue to rise, worsened by the use of AI and deepfakes that can now perfectly imitate the victim’s face, voice, and body language,” he stated.
Daniel said that technological development must be balanced with improved digital literacy so that the public can recognise the characteristics of fraud, maintain the confidentiality of personal data, and verify information or transaction requests received through digital media before trusting them. The OJK, together with the PASTI Task Force, continues to strengthen public education on digital transaction security as part of consumer protection efforts in the financial services sector.
On the same occasion, Satryo Suryantoro, Director of Security Operations and Information Control at the National Cyber and Crypto Agency (BSSN), said that strengthening cyber security literacy requires the involvement of all stakeholders. “Active involvement is needed from all stakeholders, including ministries and agencies, local governments, law enforcement officials, the education sector, communities, businesses, the media, and the wider public,” said Satryo. According to Satryo, increasing digital awareness and proficiency is an important step to strengthen public resilience against AI-based cyber crime threats while narrowing the space for fraudsters to operate.