Shared Fraud Management Emerges as a Key Pillar for Securing Indonesia’s Payment Ecosystem, Jalin Highlights Industry Position

Jakarta — PT Jalin Pembayaran Nusantara (“Jalin”) underscored the critical importance of collaboration and the strengthening of shared services and shared infrastructure in Fraud Management as a foundational pillar of Indonesia’s financial security. The message was delivered during the Securing Indonesia’s Financial Industry forum hosted by Ayoconnect in partnership with Wibmo, a global paytech company serving more than 200 banks across 30 countries.

The forum, attended by regulators, banks, fintechs, and international security solution providers, explored the rising cyber risks accompanying the rapid expansion of digital transactions. Shifts in consumer behavior—ranging from widespread QRIS adoption and real-time payments to the growth of digital banking—have significantly expanded the attack surface. According to Bank Indonesia’s June 2025 data, APMK transactions reached 341 million, BI-FAST hit 345 million transactions, electronic money rose to 1.6 billion, and QRIS transactions surged to 1.2 billion. Meanwhile, the OJK Indonesia Anti-Scam Center recorded IDR 7.8 trillion in digital fraud losses over the past year, reflecting increasingly complex threat dynamics.

Representing Jalin on the panel, Aries Fajar Kurnia, SVP Fraud Management & Cyber Resilience, emphasized that today’s threat landscape demands a collective approach to security. He noted that switching operators occupy a unique position in the payment ecosystem due to their cross-bank, cross-fintech, and cross-channel visibility. With this vantage point, switchers can detect outlier patterns, issuer–acquirer anomalies, and emerging fraud signals that may not be visible at the institutional level. Aries highlighted Jalin’s real-time monitoring of switching and QRIS transaction limits, equipped with automated alerts at specific thresholds to provide early warnings before operational risks materialize.

Aries stressed that no institution can build complete cyber defense capabilities on its own. Investments in sophisticated Fraud Detection Systems, modern Security Operations Centers, and early-warning mechanisms require resources and technological maturity that are increasingly costly and complex. This makes the shared services model one of the most efficient and strategic pathways for the industry. Through its Fraud Management as a Service (FMaS) platform, multi-tenant SOC infrastructure, and other shared-security models, Jalin enables financial institutions to attain higher and more consistent security standards while remaining focused on their core business of serving customers.

Regulators at the forum also reiterated the need for stronger governance and enhanced readiness across the financial sector. Bank Indonesia’s BSPI 2030 direction and OJK’s ITSK Roadmap have established a regulatory corridor ensuring that all players operate under unified security standards. In alignment with these policies, Jalin reaffirmed its commitment to serving as a collective defense platform that strengthens the integrity of Indonesia’s national payment infrastructure.

Jalin’s participation in the forum reflects its ongoing contribution to building a more resilient payment ecosystem. As shared Fraud Management becomes increasingly relevant, Jalin positions security not as a burden borne individually by each institution, but as a shared responsibility essential to safeguarding public trust and supporting the sustainable growth of Indonesia’s digital economy.