AI Fraud Threats Rising, AFTECH and Jalin Encourage Industry to Fortify Digital Payment Systems

Jakarta - The rapid growth of the digital economy in the country has positively impacted public convenience in conducting transactions. Bank Indonesia recorded that digital payment transactions reached 14.82 billion in the first quarter of 2026, an increase of 37.69% from the same period last year.

Alongside this rapid expansion, cybercrime threats are on the rise. Fraudsters have even begun utilizing Artificial Intelligence (AI) to execute their schemes with greater sophistication, making them increasingly difficult to detect. BSSN reported that in 2025 alone, there were 5.2 billion instances of internet traffic that could potentially serve as cyberattack pathways — with 94% of them being malware at high risk of transforming into ransomware attacks.

In response to this phenomenon, the Indonesian Fintech Association (AFTECH) and PT Jalin Pembayaran Nusantara (Jalin), supported by BPC, hosted a discussion forum titled “Protection in Action: Strengthening Fraud Resilience Across Ecosystem” on Thursday (May 21) in Jakarta. This forum brought together all stakeholders within Indonesia's digital payment ecosystem as a proactive measure to strengthen the resilience and security of the national digital payment system. AFTECH and Jalin believe that the security of the digital payment ecosystem is a shared interest requiring close collaboration among regulators, industry players, and other strategic partners.

In his opening remarks, Budi Gandasoebrata, Vice Chairman II of AFTECH, highlighted the current state of the digital payment ecosystem. According to Budi, security, infrastructure resilience, and risk management are the core foundations for building a healthy and sustainable payment system. "The industry is no longer merely required to grow rapidly, but it must also grow resiliently. In this context, a Fraud Detection System (FDS) is no longer just a supporting feature, but rather a crucial infrastructure for the digital financial industry," Budi stated.

On the same occasion, Tri Herdianto, Head of the Consumer Legal Defense Directorate at the Financial Services Authority (OJK), highlighted that the challenges faced by industry players in the financial services sector are becoming increasingly complex. "The growth of digital transactions in Indonesia has shown a significant increase, driven by the widespread use of e-wallets, including QRIS. This significant growth is naturally accompanied by increasingly complex threats, both in terms of method and scale. The industry's readiness to strengthen digital transaction security is highly crucial right now. We must understand that fraud resilience is no longer just a technical or technological issue, but a core pillar in maintaining public trust and ensuring business sustainability in the financial services sector. In this regard, collaboration from all stakeholders in the digital financial sector is required, as consumer protection and fraud resilience are a shared responsibility in safeguarding public trust in the financial services sector," Tri stated.

Echoing this sentiment, Jalin, as a national digital enabler within the Danareksa State-Owned Enterprise (BUMN) Holding ecosystem, also emphasized the importance of a collective response to ever-evolving threats. Ario Tejo Bayu Aji, President Director of Jalin, stated that the threat landscape currently targeting digital payment platforms demands a collective security approach through the strengthening of shared services and infrastructure in fraud management.

“This shared services approach enables industry players to optimize investments and maximize operational efficiency. With a standardized structure, security quality can be enhanced, incident response becomes faster, and systemic risks can be significantly reduced. This model also allows industry players to remain focused on their core business development, while their security foundation is managed in a more professional and coordinated manner," concluded Ario.

Through this forum, AFTECH and Jalin do not merely open a space for discussion, but also present an Expert Lab session—where participants can gain hands-on experience with a Fraud Detection System that integrates data across payment ecosystems. Every interaction is transformed into data that can be studied, analyzed, and fed back as collective intelligence to continuously upgrade threat deterrence capabilities. AFTECH and Jalin believe that cross-sector synergy, supported by continuous learning systems, is not only capable of proactively mitigating the risks of AI-driven cybercrime, but also serves as a solid foundation for maintaining public trust to foster a secure, inclusive, and resilient digital economy in Indonesia.

For further information, please contact

Asosiasi Fintech Indonesia (AFTECH)

Nikky Sirait

Internal & External Communication Manager

hello@fintech.id

PT Jalin Pembayaran Nusantara (Jalin)

Diorezky Yoga Pratama

Head of Corporate Communication & Affairs

Putu Agnia Sri Juliandri

VP Corporate Secretary

corcomm@jalin.co.id

corporate.secretary@jalin.co.id