.CO.ID – JAKARTAThe Financial Services Authority (OJK) revealed several fraud schemes that were most frequently reported by the public as of November 2025.
Head of Executive Supervisor of Financial Services Business Actor Behavior, Education, and Consumer Protection at OJK, Friderica Widyasari Dewi, stated that the most frequently reported scam by the public is online shopping transaction fraud, with 64,933 reports. The public’s losses from online shopping fraud amounted to Rp 1.14 trillion.
“Indeed, many are related to online shopping transactions. If observed, the online shopping methods used are through fake stores or dangerous links,” he said in the OJK RDK press conference, Thursday (11/12).
Next, the second most reported scam is impersonation scams orfake call.Friderica explained the modus operandi, where the perpetrator impersonates an official company or institution with a similar logo. This way, people will think it’s genuinely from a formal financial services institution. There were 39,978 reports of this type of modus operandi, with a total loss of Rp 1.54 trillion.
Friderica stated that phishing scams and malicious APK files were also the most frequently reported by the public. She explained the scheme of the modus operandi, where scammers send fake invitations or APK files via WhatsApp, then steal personal data and access people’s mobile banking.
“The modus operandi had as many as 15,800 reports, with losses reaching Rp 605.48 million. Meanwhile, APK files via WhatsApp recorded 3,924 reports, with losses amounting to Rp 137.45 million,” he said.
Furthermore, Friderica stated that the mentioned scam modus operandi has the potential to still occur until the end of the year. In addition, she mentioned that the prevalent scam modus operandi menjelang the end of this year is scams disguised as prizes and donations.
Friderica reminded the public to be careful when making donations because there is also a disaster. Thus, scams disguised as donations could be rampant.
“Therefore, when making donations, the public needs to ensure that the donation service comes from a credible party, with the correct account,” he/she stated.
Furthermore, Friderica also urged the public to be wary of scam tactics that offer prizes. Typically, scammers will offer a prize and then request personal data from the public to claim the prize. There were 17,755 reports of these scam tactics, resulting in losses of Rp 226.94 million.
“So, it’s as if you receive a prize, they ask for personal data, and then there’s a fee to claim it. For example, you win Rp 100 million, but you have to send Rp 5 million first for taxes and so on,” said Friderica.
Friderica conveyed that OJK and the PASTI Task Force have also urged the public to remain vigilant against fraud schemes. Additionally, she advised the public not to click on suspicious links indiscriminately, not to respond to calls from unknown numbers, and not to shareOne-Time Password(OTP) andPersonal Identification Number(PIN) or personal data to other parties.
Friderica said that if someone calls claiming to be from an official institution, the public needs to verify it first. She said it’s better for the public to call those institutions themselves to inquire about the truth of the information received.
Friderica also urged the public to immediately report any suspicious activities they find to the OJK.
