Thousands of Indonesians Deceived by AI!
Jakarta, CNBC Indonesia — The Financial Services Authority (OJK) has revealed a surge in fraud in the financial sector exploiting artificial intelligence (AI). Up to June 2026, OJK had received 1,379 fraud reports suspected of involving the use of AI.
Dicky Kartikoyono, Head of the Executive Board for the Supervision of Financial Services Business Conduct, Education, and Consumer Protection (PEPK) at OJK, said technological developments have made fraud methods increasingly sophisticated, complicated and complex.
“We must be increasingly careful with the various forms of financial transaction fraud, which pose a serious threat because their numbers continue to rise,” Dicky said during a virtual press conference on Monday (7/9/2026).
According to Dicky, scammers are now exploiting various technologies to carry out their actions, including AI, fake identities and mule accounts. These methods can also be carried out through various digital channels and involve cross-border networks.
“In addition, the applications used are increasingly sophisticated, including the use of AI, fake identities, mule accounts, and fictitious identities that can be forged even more convincingly,” he said.
One method that now needs to be watched is deepfake technology, which can be used to falsify a person’s identity, including creating audio or facial content resembling the real person.
“Up to June 2026, OJK has received 1,379 fraud reports suspected of using AI,” Dicky said.
He said the use of AI makes fraud harder to recognise because perpetrators can create identities and communications that appear convincing.
“We can even see that voice cloning and face cloning are widely used,” he added.
Beyond deepfakes, OJK has also found the use of fake calls, bogus telephone numbers, and impersonation of particular parties. Fraud can also appear in shopping transactions through e-commerce ecosystems.
OJK also reminded the public about offers of AI-based trading robots. Dicky stressed that the use of advanced technology does not automatically make an activity legal.
“But all of these are really scams, fraud through the various methods mentioned earlier,” he said.
OJK Strengthens Fraud Detection
Facing these evolving methods, OJK and the Task Force for the Eradication of Illegal Financial Activities (Satgas PASTI) continue to strengthen prevention and enforcement efforts.
Dicky said the financial services industry is being pushed to keep developing technology, from early detection to transaction monitoring and the handling of customer complaints.
“Starting from proactive early detection at the front line, then looking at the whole ecosystem through to handling complaints. Of course, the foremost effort is education and outreach to the public,” he said.
OJK is also strengthening the risk-based application of customer due diligence (CDD) and enhanced due diligence (EDD). Checks are carried out not only when customers open accounts, but also throughout the ongoing relationship with them.
In addition, OJK continues to update its blacklist within the digital financial ecosystem and encourages real-time transaction monitoring so that suspicious activity can be identified and followed up more quickly.
However, Dicky acknowledged these efforts remain challenging because perpetrators continue to refine their fraud techniques.
“It is indeed a cat-and-mouse chase; those committing digital crimes keep strengthening the forms of their crimes,” he said.
OJK and Satgas PASTI have also intensified cyber patrols of social media, websites and applications suspected of offering illegal financial activities. OJK is coordinating with various digital platforms, including Google, Meta and TikTok, to identify content or activities classified as illegal.
According to Dicky, OJK is also discussing the implementation of scam-warning pop-ups in mobile banking applications as one effort to strengthen consumer protection.