Antara News·Indonesia·Monday, September 28, 2026 at 09:39 AM

BI stresses three key areas to strengthen online fraud response

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Rizka Khaerunnisa, Raka Adji

Jakarta (ANTARA) - Bank Indonesia (BI) has called on stakeholders across sectors to bolster online fraud countermeasures by focusing on three key areas, namely information sharing, rapid incident response, and clear roles and accountability.

Speaking at a focused group discussion in Jakarta on Monday, BI's Department Head of Payment System Surveillance and Consumer Protection, Sally M. Hutapea, noted challenges remain in online fraud response coordination.

"Even though we have a task force or established channels, the key challenge is knowing how to coordinate effectively when a sudden fraud incident is reported," she said.

Hutapea noted coordination should not mean every institution floods the task force or communication channels with separate reports. Instead, she added, stakeholders need a streamlined system that enables immediate, effective information sharing as an incident occurs.

Furthermore, the response to incident escalation in practice must also be strengthened.

When scam indicators are detected, she explained that operational procedures must clearly define who contacts whom, the minimum information required, the designated communication channels, and which entity takes action.

According to her, coordination becomes particularly challenging when incidents occur over the weekend, as rapid cross-agency response is required.

Hutapea pointed out that if initial indicators are detected by the Financial Services Authority (OJK) and point to the payment system, then OJK must promptly coordinate with BI to trace fund flows and determine the next measures.

She added the role and accountability of each party must be clarified, noting that inter-agency coordination should not mean blurring the distinct authority of each institution.

Hutapea affirmed the efforts to strengthen coordination have gained momentum following the enactment of the Financial Sector Development and Strengthening Law (P2SK Law), which includes establishing cross-authority and inter-ministerial task forces to protect the public interest.

"Because ultimately, what matters is not the number of coordination mechanisms, forums, or task forces, but how effectively that coordination works when consumers or members of the public become victims," she remarked.

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