Contactless debit card fraud risk and prevention advice

People discussed the potential fraud risk of contactless debit cards during lost/stolen debit cards and advised turning off the contactless feature in the bank app's settings.

Credit card vs. debit card: online safety perceptions​

People compared credit and debit cards, generally considering credit cards safer for online use due to better fraud resolution by banks.

Consumer advice on fraud prevention

People shared fraud prevention tips; advising that banks will not ask for data via weblinks, to be wary of suspicious SMS messages and to contact the bank call center immediately.

Indonesian police warn against card skimming

Indonesian police warned about card skimming, advising against sharing or storing bank credentials online. Users are advised to monitor card statements and to manage card settings via bank apps.

Prepaid card advice to prevent debit card fraud

People recommend using prepaid cards for online purchases to mitigate debit card fraud as scammers gaining access to card details can easily deplete savings.

Consumer defrauded of 60 million Rupiah via contactless card scam

Consumer lost 60 million Rupiah after scammers accessed their debit card and used its contactless feature for the scam.

Unauthorized insurance charges scam

Consumer incurred unauthorized insurance charges on their credit card after sharing card details during phone call from scammers.

Credit card fraud scheme: deceptive transaction alerts

Scammers deceived users by alerting them to fraudulent transactions on their credit cards. They offered to send a form to block the transactions, gaining access to personal details indirectly.

Scam exploits older generation's online security knowledge gap

The older generation's lack of online security understanding leads to scams, as one mother unwittingly provides her OTP during a fraudulent phone call.

Scammers prompt digital wallet discussions

Digital wallets were frequently discussed, with users posting screenshots of scammers’ social media and WhatsApp messages to warn others and offering mixed advice on using digital wallets for purchases.

Online loan fraud prompts government action

Conversations on online loan fraud called for government action to block fraudulent bank accounts and urged caution when borrowing, with victims reporting fraud on platforms like cekrekening.id.

Emotional Impact of Loan-related Identity Theft

People shared emotional distress caused by large loans taken using identity theft. Victims trust being abused by scammers taking loans under their identity, prompting for stricter loan regulations.

Online Banking Security and Malware Threats

Users shared advice and warnings about malware spread through WhatsApp links, recommending changing email passwords and mobile banking PINs after such incidents.

Cybercrime in Various Regions

A cybercrime consultant (16.4K followers) discussed tracking online fraud syndicates in Medan, Aceh, Lampung, Jakarta and Central Java. Victims faced frauds such as virtual adultery services, bank fraud and concert ticket fraud. Comments mentioned scams like fake customs officials and insurance claim fraud, with some hospitals in Medan blacklisted for alleged fraud.

Bank Transfer Scam with Motorcycle Purchase

A victim shared a bank transfer scam involving a motorcycle purchase. The buyer transferred money after seeing the seller's ID and photos of the motorcycle at a courier company. The seller then requested additional funds for insurance, which the buyer paid, after which the seller disappeared by blocking the buyer.

Unexpected Funds and Online Loan Scams

A consumer discussed a scam where victims received unexpected funds in their bank accounts, followed by demands from online loan companies to repay. Even if returned, victims faced harassment with fake billing threats. Another victim shared about fraudulent loan apps misusing their data for unauthorized loans, leading to further financial loss despite seeking help.

Bank Transfer Scams in Property and Car Purchases​

Users advised against transferring money to salesperson's personal account, especially for property or car purchases, recommending business accounts to avoid scams.

Malware-related Scams and Alerts​

In malware-related conversations, people typically shared alerts about circulating malware scams and verified the authenticity of suspicious messages they received.

There were a total of 224 attacks in Oct 2023- Mar 2024 on banks in Indonesia, 58% of which were executed through malware, email phishing and ransomware techniques.

Out of all the fraud-type discussions for Bank Cards and Non-Card services, ~ 32% were related to cyber attacks (22% in bank cards, 43% in non-card services). 83% of cyber attack discussions under bank card services were associated with credit cards, while 42% of cyber attack discussions under non-bank card services were related to Online Banking.

91% of the cyber attacks are found within online news and are primarily associated with attacks on banking institutions and infrastructure. These attacks often capture fraud that boasts high levels of sophistication, through compromising or impersonating organizations and businesses.