There is something quietly dangerous about the digital world. It doesn’t shout. It doesn’t knock on your door. It simply appears—through a message, a link, a friendly notification—pretending to be safe. And before we realize it, trust turns into loss.
Technological development and digitalization have undeniably made life easier. Shopping is faster, payments are instant, and financial services are only one tap away. However, behind this convenience, online fraud continues to grow at an alarming rate.
By the end of 2025, Indonesia’s Financial Services Authority (OJK) recorded more than 64,000 reports of fraudulent online shopping transactions, with losses reaching IDR 1.14 trillion. Even more concerning, 39,000 reports involved fraudsters impersonating legitimate companies, causing losses of IDR 1.54 trillion. Meanwhile, malicious APK files spread through WhatsApp have drained mobile banking accounts, with over 5,000 cases and losses exceeding IDR 600 million.
These are not just numbers. They are stories—of people who trusted too easily, clicked too quickly, or believed a name that looked familiar.
Therefore, the real question is no longer whether fraud exists, but how prepared we are to face it.
Meanwhile, Why Online Fraud Continues to Trap Smart People
Fraud today doesn’t rely on force. It relies on psychology.
Scammers understand fear, urgency, and trust. They impersonate banks, digital wallets, online stores, even customer service representatives. They speak politely. They sound professional. And most importantly, they appear legitimate.
As a result, many victims are not careless people. They are ordinary users who simply wanted to complete a transaction, receive a refund, or respond to a warning message.
This is why vigilance alone is no longer enough. In a fast-moving digital environment, users need tools, not just caution.
That is where secure digital platforms play a crucial role. Instead of placing all responsibility on users, trusted financial services must actively help prevent fraud before it happens.
DANA understands this reality. Through its Anti-Fraud Guarantee and DANA Protection features, DANA positions itself not only as a digital wallet—but as a digital guardian.
One of its most powerful tools is the Fraud Risk Checker, also known as the Scam Checker, available inside the DANA Protection menu.
Therefore, How the Fraud Risk Checker Helps Protect Your Personal Data
Personal data is currency in the digital age. Once stolen, it can be sold, reused, and abused endlessly.
With the Scam Checker feature, DANA users can verify suspicious phone numbers, social media accounts, links, and account numbers that claim to be associated with DANA—before making any transaction.
Consequently, users no longer need to rely on guesswork. Instead of wondering, “Is this real?”, they can simply check.
This proactive verification step significantly reduces the risk of:
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Data leaks
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Identity misuse
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Unauthorized access to financial accounts
In a world where one careless click can cost millions, verification becomes protection.
By using Scam Checker regularly, users turn uncertainty into clarity—and clarity into safety.
Furthermore, Reducing the Risk of Digital Fraud Before It Happens
Most fraud can be avoided if detected early.
The Scam Checker feature helps users identify potential fraud attempts, including:
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Phishing links
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Fake transfer requests
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Social engineering scams
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Impersonation of DANA representatives
Instead of reacting after a loss, users can act before damage occurs.
This shift—from reactive to preventive—is what makes DANA’s Anti-Fraud approach powerful.
Moreover, Scam Checker is designed to be simple and fast. No complicated steps. No technical confusion. Just clear results that help users decide whether to proceed or stop.
In digital transactions, confidence matters. And confidence grows when users feel protected.
In Addition, Increasing Transaction Security with Confidence
Security should not make life harder. It should make life calmer.
With Scam Checker integrated into the DANA ecosystem, users can transact more securely and comfortably. Every payment, transfer, or interaction becomes safer because users have the means to verify their counterparties.
As a result, trust is no longer blind—it is informed.
This is especially important for users who:
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Shop online frequently
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Receive messages from unknown numbers
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Conduct business through digital platforms
By choosing a digital wallet that prioritizes protection, users are not just paying—they are investing in peace of mind.
Finally, Learning to Outsmart Fraud Through Education
Protection is important. Education is empowering.
Beyond verification, the Fraud Risk Checker also functions as an educational tool. It helps users recognize common fraud patterns, tactics, and warning signs.
Over time, users become more aware, more alert, and more resilient against future threats.
Even better, Scam Checker is integrated with Komdigi services, allowing users to directly report identified fraudsters. This creates a safer digital environment—not just for individuals, but for the entire community.
Choose Safety, Choose Awareness, Choose DANA
Online fraud is real. The risks are growing. But so are the solutions.
By using DANA Protection and the Fraud Risk Checker, users take an active role in protecting their money, data, and digital identity.
Because in the end, safety is not about fear—it’s about preparation.
And in a digital world full of uncertainty, choosing a secure, proactive platform like DANA is not just smart—it’s essential.