OJK Reveals Most Common Fraud Schemes in 2025

Rising Online Shopping Fraud Concerns

The Financial Services Authority (OJK) has revealed that online shopping fraud remains the most commonly reported scam in Indonesia as of November 2025. According to Friderica Widyasari Dewi, OJK's Head of Executive Supervision for Financial Services Behavior, Education, and Consumer Protection, there were 64,933 reports of online shopping fraud, resulting in total losses of Rp 1.14 trillion. The fraud typically involves fake online stores or malicious links that deceive consumers into making payments for non-existent products.

Fake Calls/Impersonation: The Second Most Common Scam

The second most prevalent fraud scheme was fake calls/impersonation, with 39,978 reports and total losses amounting to Rp 1.54 trillion. Perpetrators often disguise themselves as legitimate financial institutions or companies by using similar logos and branding. This type of fraud exploits consumer trust in established institutions, leading to significant financial losses.

OJK's Response and Consumer Protection Measures

In response to these rising fraud cases, OJK is intensifying its efforts to educate the public about these schemes and how to avoid them. The authority is also working to enhance monitoring and enforcement measures to protect consumers and maintain trust in Indonesia's financial services sector.

Impact on Consumer Behavior and Financial Services

The prevalence of these fraud schemes highlights the need for increased vigilance among consumers when engaging in online transactions or responding to unsolicited calls. Financial institutions are also expected to enhance their security measures and collaborate with OJK to prevent such fraudulent activities.