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CORRECTING and REPLACING FICO Survey: 1 in 4 Indonesian Consumers Report Losing Money to Scams via Real-Time Payments

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A FICO survey reveals alarming trends in real-time payment (RTP) scams in Indonesia, with 23% of consumers reporting financial losses in 2024, up from 19% in 2023. The study highlights a concerning increase in high-value scam losses exceeding Rp 70 million (USD$4,300), rising to 8% in 2024.

Despite 93% of Indonesians trusting RTP security (above the global average of 73%), the threat landscape is expanding. The survey found that 66% of Indonesians encountered scammer messages, and 57% knew friends or family who were scammed. RTP adoption remains strong, with 99% of consumers sending and 97% receiving real-time payments.

Indonesian consumers are calling for stronger protections, with 56% identifying better fraud detection systems as banks' most important action. Looking ahead, 59% expect to increase their RTP usage in the next 12 months, significantly above the global 44% average.

FICO rivela tendenze allarmanti nelle truffe ai pagamenti in tempo reale (RTP) in Indonesia, con il 23% dei consumatori che segnalano perdite finanziarie nel 2024, in aumento rispetto al 19% nel 2023. Lo studio evidenzia un preoccupante incremento delle perdite da truffa di alto valore che superano Rp 70 milioni (USD$4.300), salendo all'8% nel 2024.

Nonostante il 93% degli indonesiani abbia fiducia nella sicurezza degli RTP (superiore alla media globale del 73%), il panorama delle minacce è in espansione. L'indagine ha rivelato che il 66% degli indonesiani ha ricevuto messaggi da truffatori e il 57% conosce amici o familiari che sono stati truffati. L'adozione degli RTP rimane forte, con il 99% dei consumatori che inviano e il 97% che ricevono pagamenti in tempo reale.

I consumatori indonesiani chiedono protezioni più forti, con il 56% che identifica sistemi di rilevamento delle frodi migliori come l'azione più importante delle banche. Guardando al futuro, il 59% prevede di aumentare l'uso degli RTP nei prossimi 12 mesi, significativamente sopra la media globale del 44%.

Una encuesta de FICO revela tendencias alarmantes en las estafas de pagos en tiempo real (RTP) en Indonesia, con el 23% de los consumidores reportando pérdidas financieras en 2024, un aumento del 19% en 2023. El estudio destaca un aumento preocupante en las pérdidas por estafas de alto valor que superan Rp 70 millones (USD$4,300), que se elevan al 8% en 2024.

A pesar de que el 93% de los indonesios confía en la seguridad de RTP (por encima del promedio global del 73%), el panorama de amenazas está en expansión. La encuesta encontró que el 66% de los indonesios recibió mensajes de estafadores y el 57% conocía a amigos o familiares que fueron estafados. La adopción de RTP sigue siendo fuerte, con el 99% de los consumidores enviando y el 97% recibiendo pagos en tiempo real.

Los consumidores indonesios están pidiendo protecciones más fuertes, con el 56% identificando mejores sistemas de detección de fraudes como la acción más importante de los bancos. Mirando hacia el futuro, el 59% espera aumentar su uso de RTP en los próximos 12 meses, significativamente por encima del promedio global del 44%.

FICO 조사에 따르면 인도네시아의 실시간 결제(RTP) 사기에 대한 우려스러운 경향이 드러났습니다. 2024년23%의 소비자가 재정적 손실을 보고했으며, 이는 2023년19%에서 증가한 수치입니다. 이 연구는 7000만 루피아 (USD$4,300)를 초과하는 고액 사기 손실이 2024년8%로 증가하는 등 우려스러운 증가를 강조합니다.

인도네시아인의 93%가 RTP 보안을 신뢰하고 있지만(전 세계 평균 73%보다 높음), 위협 환경은 확장되고 있습니다. 조사 결과 66%의 인도네시아인이 사기 메시지를 접했으며, 57%는 사기를 당한 친구나 가족을 알고 있었습니다. RTP 채택은 여전히 강력하며, 99%의 소비자가 실시간 결제를 보내고 97%가 받고 있습니다.

인도네시아 소비자들은 더 강력한 보호를 요구하고 있으며, 56%는 은행의 가장 중요한 조치로 더 나은 사기 탐지 시스템을 지목하고 있습니다. 앞으로 59%는 향후 12개월 동안 RTP 사용을 늘릴 것으로 예상하며, 이는 전 세계 평균 44%를 크게 초과하는 수치입니다.

Une enquête FICO révèle des tendances alarmantes concernant les escroqueries liées aux paiements en temps réel (RTP) en Indonésie, avec 23% des consommateurs signalant des pertes financières en 2024, contre 19% en 2023. L'étude souligne une augmentation préoccupante des pertes dues à des escroqueries de grande valeur dépassant Rp 70 millions (USD$4,300), passant à 8% en 2024.

Malgré le fait que 93% des Indonésiens font confiance à la sécurité des RTP (au-dessus de la moyenne mondiale de 73%), le paysage des menaces s'élargit. L'enquête a révélé que 66% des Indonésiens ont reçu des messages d'escrocs et que 57% connaissaient des amis ou des membres de la famille qui avaient été escroqués. L'adoption des RTP reste forte, avec 99% des consommateurs envoyant et 97% recevant des paiements en temps réel.

Les consommateurs indonésiens réclament des protections plus solides, avec 56% identifiant de meilleurs systèmes de détection des fraudes comme la mesure la plus importante pour les banques. En regardant vers l'avenir, 59% s'attendent à augmenter leur utilisation des RTP au cours des 12 prochains mois, bien au-dessus de la moyenne mondiale de 44%.

Eine FICO-Umfrage zeigt alarmierende Trends bei Betrügereien mit Echtzeit-Zahlungen (RTP) in Indonesien, wobei 23% der Verbraucher im Jahr 2024 von finanziellen Verlusten berichten, ein Anstieg von 19% im Jahr 2023. Die Studie hebt einen besorgniserregenden Anstieg der Betrugsverluste von hoher Höhe hervor, die Rp 70 Millionen (USD$4.300) übersteigen und auf 8% im Jahr 2024 steigen.

Trotz der Tatsache, dass 93% der Indonesier der Sicherheit von RTP vertrauen (über dem globalen Durchschnitt von 73%), weitet sich die Bedrohungslandschaft aus. Die Umfrage ergab, dass 66% der Indonesier mit Betrugsnachrichten konfrontiert wurden und 57% Freunde oder Familienmitglieder kannten, die betrogen wurden. Die Akzeptanz von RTP bleibt stark, mit 99% der Verbraucher, die Echtzeit-Zahlungen senden und 97%, die sie empfangen.

Indonesische Verbraucher fordern stärkeren Schutz, wobei 56% bessere Betrugserkennungssysteme als die wichtigste Maßnahme der Banken identifizieren. In die Zukunft blickend erwarten 59% eine Erhöhung ihrer RTP-Nutzung in den nächsten 12 Monaten, was deutlich über dem globalen Durchschnitt von 44% liegt.

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Indonesian consumers want stronger protections against authorised push payment scams

JAKARTA, Indonesia--(BUSINESS WIRE)-- Please replace the release with the following corrected version due to multiple revisions.

FICO Survey reveals concerning increase in high-value scam losses exceeding Rp 70 million (USD<money>$4,300)</money>, which grew to <percent>8%</percent> in 2024. (Graphic: FICO)

FICO Survey reveals concerning increase in high-value scam losses exceeding Rp 70 million (USD$4,300), which grew to 8% in 2024. (Graphic: FICO)

The updated release reads:

FICO SURVEY: 1 IN 4 INDONESIAN CONSUMERS REPORT LOSING MONEY TO SCAMS VIA REAL-TIME PAYMENTS

Indonesian consumers want stronger protections against authorised push payment scams

(NYSE: FICO)

Highlights

  • More than half (56%) of consumers in Indonesia identified having better fraud detection systems as the most important action banks can take to protect them from scams
  • One in four (23%) Indonesian consumers reported losing money to scams via RTP
  • The share of high-value scam losses exceeding Rp 70 million (USD$4,300) has risen to 8% in 2024

A new survey by global analytics software leader FICO highlights the rising threat of scams within Indonesia's real-time payments (RTP) ecosystem. The 2024 Scams Impact Survey: Indonesia' found that 23% of consumers reported losing money to scams via RTP. In many cases, this involved paying for goods, services, or investments that were never delivered.

While most Indonesians (93%) trust the security of RTP processes—significantly above the global average of 73% — the survey reveals a sharp rise in both the frequency and severity of scams in Indonesia, alongside alarming trends in financial losses.

“Scam losses are on the rise in Indonesia, with 23% of consumers reporting they lost money in 2024—up from 19% in 2023,” said Dattu Kompella, managing director in Asia for FICO. “Even more concerning is the sharp increase in high-value scam losses exceeding Rp 70 million (USD$4,300), which grew to 8% in 2024. These figures underscore the growing financial and emotional toll scams are taking on Indonesian households.”

More information: https://www.fico.com/en/latest-thinking/ebook/2024-scams-impact-survey-indonesia

The findings emphasise the urgent need for proactive fraud detection and customer engagement, especially as RTP continues to gain traction in the country. 66% of Indonesians reported exposure to messages from scammers, and 57% said friends or family members had been scammed.

RTP continues to gain strong momentum in Indonesia, with 99% of consumers having sent and 97% having received RTP, according to the survey. Looking ahead, 59% of Indonesians expect to increase their RTP usage in the next 12 months—well above the global average of 44%.

“Real-time payments are now embedded in daily life for many Indonesians, and usage will only continue to grow,” added Kompella. “But as adoption increases, so does the risk of scams exploiting the speed and irrevocability of RTP. Banks are in a prime position to lead the fight—by educating consumers, clearly communicating risks, and deploying advanced scam detection tools to safeguard trust in the RTP ecosystem.”

The survey also highlights that Indonesian consumers strongly believe banks should play an active role in preventing scams. In fact, 70% stated they would view their bank more positively if it intervened in real time to prevent a suspected scam payment.

“A bank’s ability to combat scams hinges on advanced technologies like AI-powered analytics, contextual decisioning and real-time customer engagement,” concluded Kompella. “These tools enable targeted warnings and automated actions, such as step-up authentication and transaction suspensions, to enhance scam prevention and protect customers effectively.”

FICO’s survey was conducted in 2024 by an independent research company. It surveyed 1,001 Indonesian adults, along with approximately 11,000 other consumers across 14 countries, to explore their experiences regarding RTP usage, scams, and their banks’ scam prevention capabilities.

About FICO

FICO (NYSE: FICO) powers decisions that help people and businesses around the world prosper. Founded in 1956, the company is a pioneer in the use of predictive analytics and data science to improve operational decisions. FICO holds more than 200 US and foreign patents on technologies that increase profitability, customer satisfaction and growth for businesses in financial services, insurance, telecommunications, health care, retail and many other industries. Using FICO solutions, businesses in more than 80 countries do everything from protecting 4 billion payment cards from fraud, to improving financial inclusion, to increasing supply chain resiliency. The FICO® Score, used by 90% of top US lenders, is the standard measure of consumer credit risk in the US and has been made available in over 40 other countries, improving risk management, credit access and transparency.

Learn more at https://www.fico.com
Join the conversation at https://x.com/FICO_corp & https://www.fico.com/blogs/
For FICO news and media resources, visit https://www.fico.com/newsroom

FICO is a registered trademark of Fair Isaac Corporation in the US and other countries.

RICE Communications for FICO

fico@ricecomms.com

Saxon Shirley

FICO

+65 9171 0965

saxonshirley@fico.com

Source: FICO

FAQ

What percentage of Indonesian consumers lost money to real-time payment scams in 2024?

According to FICO's survey, 23% of Indonesian consumers reported losing money to scams via real-time payments in 2024, an increase from 19% in 2023.

How much are the highest value scam losses reported in Indonesia during 2024?

High-value scam losses exceeding Rp 70 million (USD$4,300) increased to 8% in 2024.

What is the current adoption rate of real-time payments in Indonesia?

The adoption rate is extremely high, with 99% of consumers having sent and 97% having received real-time payments.

How many Indonesians expect to increase their real-time payment usage in 2024?

59% of Indonesians expect to increase their real-time payment usage in the next 12 months, compared to the global average of 44%.

What percentage of Indonesian consumers have encountered scammer messages?

66% of Indonesian consumers reported exposure to messages from scammers, while 57% said friends or family members had been scammed.
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