02 September 2026
,
Jakarta

FraudSense Indonesia 2026

Indonesia's dedicated event on fraud, identity, and trust in the AI era

Request InvitationPartner with us
The New Frontlines of Fraud, Identity, and Trust
Indonesia's digital economy has pushed financial interaction further away from the bank than almost anywhere else in the world. QRIS, BI-Fast, super-apps, e-wallets, embedded finance, marketplaces, and platform-driven payments now mediate how millions of consumers transact every day, creating one of the world's most dynamic and distributed financial ecosystems.

At the same time, fraud moves fluidly across an ecosystem that was never designed to share intelligence seamlessly across institutions. AI-generated scams, synthetic identities, deepfake impersonation, and voice-cloned fraud in Bahasa Indonesia are scaling rapidly, forcing organisations to rethink how they detect, investigate, and respond.

Against this backdrop, FraudSense Indonesia convenes senior leaders across banking, fintech, payments, and digital commerce who are tackling fraud, identity, and trust in the AI era. The summit examines how institutions are deploying AI-driven defence models, coordinating response across one of the region's most fragmented payment and commerce ecosystems, and protecting the customer trust that underpins Indonesia's digital economy.

Why FraudSense, why now
0 M+
USD fraud losses reported to IASC in one year
0 %
surge in AI-driven fraud across Indonesia’s fintech sector
66 %
of Indonesian adults encountered a scam in the past year
0 B
USD QRIS payments processed in Q1/25 alone
Who will be there
A cross-functional room of senior leaders tackling fraud, identity, and trust across Indonesia's financial and digital commerce ecosystem.
ROLES

Chief Risk Officers
Chief Compliance Officers
Heads of Fraud & Financial Crime
Heads of Fraud Analytics
Heads of Payments Risk
Heads of Identity

ORGANISATION TYPES

Banks & Digital Banks
Fintechs
Payments Services Providers
E-commerce & Digital Commerce
Telecoms & Mobile Operators
Regulators & Infrastructure

What makes FraudSense unique
Built for institutions defending trust in the AI era
Built around live operational pressure
FraudSense is designed around the operational problems institutions are dealing with now — AI-generated scams, synthetic identities, APP fraud, mule networks, deepfake impersonation, and machine-speed social engineering. The agenda focuses on investigation realities, AI-driven response models, reimbursement pressure, detection workflows, and implementation challenges facing fraud and financial crime teams.
Cross-functional by design
Modern fraud no longer sits inside a single function or institution. FraudSense convenes senior leaders tackling fraud, identity, and trust in the AI era — reflecting how fraud now moves fluidly across organisational silos, customer channels, payment rails, digital platforms, marketplaces, and financial ecosystems. The room is structured to surface the conversations that cannot happen one function at a time.
A playbook for the AI era
The summit focuses on how institutions are using AI to strengthen fraud defence across the customer lifecycle — from identity and authentication through to detection, intervention, investigation, and recovery. Discussions are operational rather than theoretical, centred on what is already working, where institutions are struggling, and how defence models are evolving as both fraud and response increasingly operate at machine speed.
Agenda

8:00

9:00

Registration

    9:00

    9:05

    Opening Remarks

      9:05

      9:35

      When the Customer No Longer Sees the Bank: Fraud Defence in Indonesia's Platform Economy

      Indonesia has lost something other markets keep — the customer’s direct relationship with the bank. Daily interaction lives inside super-apps, the merchant layer runs through QRIS, and the institution defends a system through intelligence it doesn’t own. The IASC has logged hundreds of thousands of scam reports with a small fraction recovered. Behavioural models reading signals the bank never sees are an increasingly important detection layer. The fraud function defends a relationship that no longer belongs to it.
      • The customer relationship sits in the super-app layer. What does the bank actually defend when intelligence and interface live elsewhere?
      • OJK 2024 set the compliance floor. What does the operator build beyond it to defend a customer detection models barely see?
      • Recovery sits at 7.6 percent. Where does the institution invest — detection, model speed, freezing, or restitution — to move it?
      • Volumes grow with platform adoption; headcount cannot follow. Where does AI replace the analyst, where does judgement stay, and who answers to OJK?

      9:35

      9:50

      How We Solved...

      A practical case study on a real industry challenge, the approach taken, and results achieved.

        9:50

        9:55

        The Room Speaks: Morning Pulse

        A live audience pulse check capturing the priorities, pressures, and challenges shaping fraud and financial crime defence today.

          9:55

          10:25

          The Super-App Rail: When Responsibility and Visibility Live Apart

          Indonesia's super-apps host the journey end-to-end — 90-second onboarding, e-wallet balance, QRIS, increasingly credit. The bank holds deposits and accountability but is blind to the journey behind the transaction. Synthetic identities deploy across wallets in parallel, mule networks layer micro-transactions below thresholds, and cross-border QRIS into ASEAN markets carries offshore patterns no single institution can see end-to-end. The question is whether defence works when responsibility and visibility live apart — and AI-scaled mule layering is just the most visible symptom.
          • Mule networks layer micro-transactions below thresholds across wallets. How does the bank see structured layering across rails it doesn't run?
          • Synthetic identities deploy across wallets in parallel. Where does the cross-wallet signal sit when each KYC stops at the account level?
          • Super-apps hold the behavioural signal across commerce, payments, and identity; banks hold the transaction. Where does shared model intelligence between super-apps, merchants, and banks become viable before it collides with PDP Law?
          • Cross-border QRIS extends the fraud surface offshore. How does the bank act when the originating signal sits outside its regulatory reach?

          10:25

          10:40

          How We Solved…

          A practical case study on a real industry challenge, the approach taken, and results achieved.

            10:40

            11:15

            Networking Break

              11:15

              11:45

              When the Phone Is the Identity: Onboarding, Authentication, and Continuous Trust on the Android Stack

              Indonesian authentication runs on Android, and the device has effectively become the identity infrastructure. e-KTP binding handles verification, OTP and biometrics handle authentication, behavioural signals carry continuous trust. The platform reality is that identity now lives across the device, the app, and the merchant channel — three layers the bank does not control end-to-end. Malware, accessibility-service abuse, and synthetic identity construction are now pressuring every layer of that stack, with AI scaling the threats faster than the perimeter can adapt. The institution must rebuild the identity lifecycle across an Android estate it doesn't own.
              • e-KTP anchors verification at onboarding across the system. What does the bank do when synthetic identity construction defeats document checks at industrial scale?
              • OTP and biometrics anchor session-level identity across the Android estate. Where does continuous assurance sit when malware operates inside legitimate apps?
              • Identity now spans onboarding, session, and continuous assurance. What does that lifecycle look like when the Android estate is the perimeter?
              • Identity now runs across device, app, and merchant channels. Where does the institution coordinate verification when each layer is a separate attack surface?

              11:45

              12:00

              How We Solved...

              A practical case study on a real industry challenge, the approach taken, and results achieved.

                12:00

                12:30

                Pig Butchering, Deepfake Endorsements, and an AI Scam Economy Outrunning the Warning

                Indonesia's fragmented platform economy has become one of the most exposed scam environments globally. Pig-butchering syndicates work victims over weeks; AI-generated videos of public figures now run in active investment-scam campaigns; unknown-call spam and fraud volumes are among the highest globally. The scam is voluntary at authorisation — the customer transfers, invests, authenticates inside an app the bank doesn't own. The institution sees the transaction but not the deepfake that convinced the customer, and its warning models must compete with generated content built to defeat them. Behind the syndicates sits a commercialised supply chain of scam scripts, deepfake services, and victim-targeting data, allowing operations to scale faster than any single network could alone.
                • Pig butchering runs over weeks. Where does the operator's model intervene when the fraud is relational and the customer believes the conversation is genuine?
                • AI-generated scams use deepfakes of public figures across e-commerce listings, marketplace ads, and investment platforms. What does the fraud team do when scam content is more convincing than its warning across every channel?
                • Unknown-call spam and fraud volumes are among the highest globally. Where does the ecosystem coordinate with telcos to disrupt AI-scaled origination, not just intercept authorisation?
                • When an AI agent transacts inside the super-app, the liability spans the agent, platform, wallet, and bank. Where should the loss sit?

                12:30

                12:45

                How We Solved…

                A practical case study on a real industry challenge, the approach taken, and results achieved.

                  12:45

                  12:50

                  The Room Speaks: Closing Pulse

                  A final audience reflection measuring how perspectives shifted across the morning’s discussions.

                    12:50

                    12:55

                    Closing Remarks

                      12:55

                      14:00

                      Networking Lunch

                        Contact Us
                        Whether attending as a delegate or exploring sponsorship, contact us to discover exciting opportunities at our upcoming events.
                        Request Invite
                        Partner
                        Speak
                        Request your invitation
                        Join senior decision-makers and industry peers for a focused programme of insights, discussion, and networking. Attendance is complimentary for qualified professionals, subject to approval.
                        Thank you! Your submission has been received!
                        Oops! Something went wrong while submitting the form.
                        Partner with Us
                        Showcase your expertise, build new relationships, and engage directly with senior decision-makers. Explore sponsorship, speaking, branding, and business development opportunities tailored to your objectives.
                        Share your insights
                        Share your experience, case study, or perspective with an audience of senior professionals. We welcome submissions from practitioners, industry leaders, and subject-matter experts with relevant insights to contribute.
                        Thank you! Your submission has been received!
                        Oops! Something went wrong while submitting the form.
                        © Copyright 2026-28
                        Terms of UsePrivacy Policy