Financial Fraud Mode Is Increasing, 83 Percent Of Victims Reported Only After 12 Hours

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JAKARTA Financial-based fraud cases continue to take victims. Data shows that 83 percent of victims only reported more than 12 hours after the incident, making the proceeds of crime have moved to other accounts.

The delay in reporting was used by the perpetrators to drain the victim's balance through a series of quick transfers to various holding accounts. Even though the victim's account was later blocked, the funds usually disappeared.

The perpetrators used various modes, including shopping transaction fraud, illegal online loans, fake calls, fictitious job offers, fraud through social media, hypnosis, fake transfer receipts, and love scams that use emotional relationships to ensnare victims.

To date, 267,962 accounts have been reported to be involved in fraud cases. Of that amount, 56,986 accounts have been blocked. The total loss of victims is estimated at IDR 3.4 trillion, but only around IDR 344.7 billion has been saved, or only 10 percent.

"An average of 83 percent of victims reported after 12 hours. If it was after 12 hours, the money had been everywhere (shifted to other accounts)," said Head of the Regional Strategic Management and Coordination Service Division, OJK Jakarta, Bogor, Depok and Bekasi (Jabodebek), Andes Novytasary, quoted from ANTARA, Thursday, August 14, 2025.

These cases prove that digital fraud is racing against time. Every minute the delay in reporting gives the perpetrator a chance to eliminate traces.

To protect yourself, the public is reminded to immediately report to the banking sector or the center for handling transaction fraud when they realize that they have become victims. In addition, it is important to recognize signs of illegal investment and transactions by remembering the principle of 2L legal (having an official permit) and logical (reasonable gain).

Other preventive measures include wise financial management and taking advantage of the role of the Task Force Pasti, the fraud complaint center, and the Online Gambling Eradication Task Force in blocking the flow of proceeds from crime.