FICO Survey: 1 in 4 Indonesian Consumers Report Losing Money to Scams via Real-Time Payments
A new FICO survey reveals concerning trends in Indonesia's real-time payments (RTP) scams, with 23% of consumers reporting financial losses in 2024, up from 19% in 2023. The most alarming finding shows high-value scam losses exceeding Rp 70 million (USD$4,300) jumped from 1% to 8% year-over-year.
Despite 93% of Indonesians trusting RTP security (above the 73% global average), the threat landscape is expanding. The survey found that 66% of respondents encountered scammer messages, while 57% knew friends or family who were scammed. RTP adoption remains strong, with 99% of consumers sending and 97% receiving such payments.
Looking forward, 59% of Indonesians plan to increase their RTP usage in the next 12 months, significantly higher than the 44% global average. The survey, conducted in 2024 across 1,001 Indonesian adults, highlights that 70% would view their bank more positively if it prevented suspected scam payments in real-time.
Un nuovo sondaggio FICO rivela tendenze preoccupanti nelle frodi sui pagamenti in tempo reale (RTP) in Indonesia, con il 23% dei consumatori che segnalano perdite finanziarie nel 2024, in aumento rispetto al 19% del 2023. La scoperta più allarmante mostra che le perdite da frodi di alto valore superiori a Rp 70 milioni (USD$4.300) sono passate dall'1% all'8% anno su anno.
Nonostante il 93% degli indonesiani si fidi della sicurezza dei RTP (sopra la media globale del 73%), il panorama delle minacce si sta espandendo. Il sondaggio ha rivelato che il 66% degli intervistati ha ricevuto messaggi da truffatori, mentre il 57% conosceva amici o familiari che erano stati truffati. L'adozione dei RTP rimane forte, con il 99% dei consumatori che invia e il 97% che riceve tali pagamenti.
Guardando al futuro, il 59% degli indonesiani prevede di aumentare l'uso dei RTP nei prossimi 12 mesi, significativamente superiore alla media globale del 44%. Il sondaggio, condotto nel 2024 su 1.001 adulti indonesiani, evidenzia che il 70% valuterebbe la propria banca in modo più positivo se prevenisse i pagamenti sospetti di frode in tempo reale.
Una nueva encuesta de FICO revela tendencias preocupantes 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 hallazgo más alarmante muestra que las pérdidas por estafas de alto valor que superan Rp 70 millones (USD$4,300) saltaron del 1% al 8% año tras año.
A pesar de que el 93% de los indonesios confían en la seguridad de los RTP (por encima del promedio global del 73%), el panorama de amenazas se está expandiendo. La encuesta encontró que el 66% de los encuestados recibió mensajes de estafadores, mientras que el 57% conocía a amigos o familiares que habían sido estafados. La adopción de RTP sigue siendo fuerte, con el 99% de los consumidores enviando y el 97% recibiendo dichos pagos.
De cara al futuro, el 59% de los indonesios planea aumentar su uso de RTP en los próximos 12 meses, significativamente más alto que el promedio global del 44%. La encuesta, realizada en 2024 entre 1,001 adultos indonesios, destaca que el 70% vería a su banco de manera más positiva si evitara pagos sospechosos de fraude en tiempo real.
새로운 FICO 조사에 따르면 인도네시아의 실시간 결제(RTP) 사기에 대한 우려스러운 경향이 드러났습니다. 2024년에 23%의 소비자가 재정적 손실을 보고했으며, 이는 2023년의 19%에서 증가한 수치입니다. 가장 우려스러운 발견은 Rp 70백만 (USD$4,300)을 초과하는 고액 사기 손실이 연간 1%에서 8%로 증가했다는 것입니다.
93%의 인도네시아인이 RTP 보안을 신뢰하고 있지만(73%의 글로벌 평균을 초과), 위협 환경은 확장되고 있습니다. 조사에 따르면 66%의 응답자가 사기 메시지를 접했으며, 57%는 사기를 당한 친구나 가족이 있다는 것을 알고 있었습니다. RTP 채택은 여전히 강력하며, 소비자의 99%가 결제를 보내고 97%가 이러한 결제를 받고 있습니다.
앞으로 59%의 인도네시아인이 향후 12개월 동안 RTP 사용을 증가시킬 계획이며, 이는 44%의 글로벌 평균보다 상당히 높은 수치입니다. 2024년에 1,001명의 인도네시아 성인을 대상으로 실시된 이 조사에서는 70%가 자신의 은행이 실시간으로 의심스러운 사기 결제를 방지한다면 더 긍정적으로 평가할 것이라고 밝혔습니다.
Une nouvelle enquête FICO révèle des tendances préoccupantes 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. La découverte la plus alarmante montre que les pertes dues aux escroqueries de grande valeur dépassant Rp 70 millions (USD$4,300) ont bondi de 1% à 8% d'une année sur l'autre.
Bien que 93% des Indonésiens aient confiance en 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 répondants avaient rencontré des messages d'escrocs, tandis 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 de tels paiements.
Pour l'avenir, 59% des Indonésiens prévoient d'augmenter leur utilisation des RTP au cours des 12 prochains mois, ce qui est significativement plus élevé que la moyenne mondiale de 44%. L'enquête, réalisée en 2024 auprès de 1 001 adultes indonésiens, souligne que 70% d'entre eux considéreraient leur banque de manière plus positive si elle empêchait les paiements suspectés d'escroquerie en temps réel.
Eine neue FICO-Umfrage zeigt besorgniserregende Trends bei RTP-Betrügereien (Echtzeitzahlungen) in Indonesien, wobei 23% der Verbraucher im Jahr 2024 finanzielle Verluste melden, ein Anstieg von 19% im Jahr 2023. Der alarmierendste Befund zeigt, dass die Verluste durch hochpreisige Betrügereien über Rp 70 Millionen (USD$4,300) von 1% auf 8% im Jahresvergleich gestiegen sind.
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 Befragten auf Betrügernachrichten gestoßen sind, während 57% von Freunden oder Familienmitgliedern wussten, die betrogen wurden. Die Akzeptanz von RTP bleibt stark, wobei 99% der Verbraucher solche Zahlungen senden und 97% empfangen.
Für die Zukunft planen 59% der Indonesier, ihre RTP-Nutzung in den nächsten 12 Monaten zu erhöhen, was deutlich über dem globalen Durchschnitt von 44% liegt. Die Umfrage, die 2024 unter 1.001 indonesischen Erwachsenen durchgeführt wurde, hebt hervor, dass 70% ihre Bank positiver bewerten würden, wenn sie verdächtige Betragszahlungen in Echtzeit verhindern würde.
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Indonesian consumers want stronger protections against authorised push payment scams
(NYSE: FICO)
FICO Survey reveals concerning increase in high-value scam losses exceeding
Highlights
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More than half (
56% ) of consumers inIndonesia 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 ) has risen to$4,300 8% in 2024 – up from1% in 2023
A new survey by global analytics software leader FICO highlights the rising threat of scams within
While most Indonesians (
“Scam losses are on the rise in
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.
RTP continues to gain strong momentum in
“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,
“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
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RICE Communications for FICO
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Saxon Shirley
FICO
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saxonshirley@fico.com
Source: FICO
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