VIDA Soroti Evolusi Kejahatan Siber Fintech, Industri Perlu Pertahanan Berlapis

JAKARTA - The threat of cybercrime in the financial technology (fintech) industry continues to evolve as the adoption of digital financial services in Southeast Asia increases.

In one of the discussion sessions at the 2026 Money20/20 Asia event which took place in Bangkok, Thailand, VIDA Founder and Group CEO Niki Luhur revealed how the evolution of cybercrime and its impact on the future of the fintech industry.

"We all realize that scams are increasingly rampant around the world with various modes that continue to evolve," said Niki.

According to him, education alone is not enough to face this challenge. Therefore, it needs to be balanced with the strengthening of infrastructure and the legal ecosystem that is able to protect consumers and improve safety standards.

VIDA believes that the implementation of multi-layered defense is very necessary to face increasingly sophisticated digital fraud modes.

"Like in the Middle Ages, when building a castle, a layered defense system is designed to protect against enemy attacks. A similar approach also needs to be applied in building security in the fintech industry," added Niki.

As a leading provider of digital identity services, VIDA shares four strategic layers and steps that fintech players can implement to optimize their security systems:

Individual verification

The use of biometric technology supported by additional security layers is crucial to ensure that the user is a real individual, not just an image or photo fragment taken from the internet.

Device verification

Many attacks start from a gap in the device, such as an injection attack that allows you to manipulate the camera. Therefore, it is important to ensure that the source of the camera and the face biometric used are truly authentic and not manipulated.

Identity verification

It is important to ensure that the identity used has been registered in the local government database, including compliance with the physical identity document.

Utilization of AI-based technology

The integration of AI in every security layer allows fintech actors to detect anomalies more accurately and adaptively, while increasing scalability in the face of evolving attack patterns.