Jakarta, INTI - At the forum "AI, Risk and Regulation: Navigating Deepfake Challenges in Indonesia's Digital Economy" with the Indonesian Fintech Association (AFTECH), Advance.AI stated that the increase in digital onboarding services in the financial industry has also expanded the attack surface for artificial intelligence (AI)-based fraud.
Advance.AI highlighted the growing threat of AI-based deepfakes to Indonesia's digital financial sector. According to the company, AI-based identity manipulation technology is now actively used in various digital fraud schemes, particularly in financial services that rely on online identity verification processes.
From the end of 2024 to 2025, Indonesia recorded approximately 274,000 reports of financial fraud, with total public losses exceeding Rp6 trillion. Most of the cases are said to be related to deepfake attacks targeting digital identity verification systems.
Deepfake technology allows perpetrators to create synthetic audio, video, and images that can convincingly impersonate a person. This situation, coupled with inadequate cybersecurity systems, is considered to expose the fintech, financing, and digital payment platforms to increasingly complex fraud risks.
Conventional Cybersecurity System is Not Enough
Advance.AI Indonesia's Government Relations Director, Entin Rostini, stated that deepfake attack patterns in Indonesia are beginning to follow global trends. Fraudsters can move and adapt faster than the industry thinks.
Advance.AI believes that current conventional security systems are insufficient to address modern deepfake threats. Advance.AI emphasizes the application of AI-based identity verification technology, layered authentication, liveness verification, and real-time anomaly detection in the financial services industry.
According to Entin, the technology to detect and prevent deepfakes is already available and quite mature. However, the main challenge lies in large-scale implementation and integration into the entire onboarding process and digital transaction monitoring.
Beyond technology, Advance.AI, along with AFTECH, also believes that addressing generative AI threats requires collaboration between regulators, the financial industry, and technology providers to maintain a secure digital ecosystem while supporting innovation.
Conclusion
Advance.AI assesses that the threat of AI-based deepfakes to the digital financial sector in Indonesia is increasing with the rapid growth of digital onboarding and banking services. The company believes conventional security systems are not enough to address modern AI threats. Advance.AI also emphasizes the importance of collaboration between regulators, industry, and technology providers to strengthen the security of the digital ecosystem.
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