Securing Trust at Scale: Jalin’s Fraud Detection System for the National Payment Network

As digital transactions and the integration of national payment systems accelerate, so too do the risks of financial crime—growing in complexity, channels, and scale. Emerging fraud schemes now range from social engineering and account misuse to the exploitation of vulnerabilities in high-volume, low-value payment channels. For players in the payment industry, these challenges can no longer be met with a reactive approach. They demand robust, adaptive, and end-to-end systems.

PT Jalin Pembayaran Nusantara (“Jalin”), a member of the Danareksa State-Owned Enterprise Holding and part of PT Telkom Indonesia (Persero) Tbk, is the national payment switching company addressing this challenge through the implementation of a Fraud Detection System (FDS)—purpose-built to detect potential fraud across Indonesia’s digital transaction network. Jalin’s FDS combines two core methodologies: rule-based detection, which flags anomalies based on predefined regulatory and industry rules, and behavior-based detection, which analyzes deviations from historical transaction patterns and institutional behaviors.

The system is fully integrated with Jalin’s core switching infrastructure. As transactions are processed, FDS immediately scans for irregularities such as sudden spikes in cash withdrawals, unusually large payments, or suspicious geographical activity. When potential fraud is identified, the system automatically triggers an alert, classifies the case by risk level, and escalates it to Jalin’s fraud operations team for investigation in collaboration with the relevant institutions.

What sets the system apart is its ability to analyze transaction patterns across multiple channels and institutions. Unlike internal fraud monitoring systems that operate within a single organization’s scope, Jalin’s FDS acts as a central observatory, offering a panoramic view of the national transaction network. This makes it uniquely positioned to detect systemic threats—patterns that may remain hidden if viewed in isolation.

The system’s parameters and rule sets are regularly reviewed by Jalin’s risk and technology teams and are subject to internal and external audits to ensure alignment with both national and international security standards. Continuous enhancements are made to adapt to industry developments, including shifts in payment channel usage, seasonal transaction surges, and potential collusion across entities.

In several instances, FDS has proven effective in preventing losses. One such case involved the detection of high-frequency cash withdrawals across multiple locations within a short time span. Within minutes, the system issued alerts and blocked the transactions before any significant funds were lost. This is not merely about technology—it’s about safeguarding the trust behind every rupiah flowing through Indonesia’s payment infrastructure.

Yet securing digital transactions cannot be the responsibility of a single organization. As cyberattacks grow in intensity and sophistication, cross-sector collaboration among industry players, regulators, and associations becomes increasingly vital. Partnerships between switching providers like Jalin and authorities such as Bank Indonesia, OJK, and BSSN—as well as forums like ASPI and AFTECH—form the foundation of a strong shared defense system. Moving forward, secure system integration, controlled fraud data sharing, and harmonized security standards across institutions must be continuously reinforced as key pillars of the nation’s cyber resilience framework.