Digital financial services make everyday transactions more convenient. However, consumers should remain alert to scams that misuse the names of financial institutions to gain people’s trust. These schemes may appear through messages, phone calls, social media accounts, or websites designed to look official.
Loan offers promising quick disbursement, requests for OTP codes, and instructions to transfer money immediately are all reasons to pause and verify. Do not make a decision simply because a message looks official or creates a sense of urgency.
Follow these four steps to help protect yourself:
1. Verify official channels. Check the account name, contact number, and website address. If an offer or message claims to come from a financing company, contact the company using the details listed on its official website.
2. Keep security codes private. Your PIN, password, and OTP are confidential. Never share them with anyone, including people claiming to represent a financial institution.
3. Check before transferring money. Be cautious of payment or transfer requests accompanied by pressure to pay immediately. Stop if the recipient or reason for payment is unclear, and verify the request through an official channel.
4. Keep evidence and report the incident. If you have transferred money or shared personal information, save messages, phone numbers, links, and transaction receipts. Contact your bank or payment service provider through its official channel immediately. Suspected financial transaction scams can also be reported to the Indonesia Anti-Scam Centre (IASC) at iasc.ojk.go.id.
Before responding to a financial message or offer, take a moment to verify its source. Checking communication channels, protecting security codes, and confirming payment requests can help reduce the risk of digital scams.
Sources: Ojk.go.id
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