The recent case of a BRI customer losing hundreds of millions of rupiah, later reimbursed by the bank, exposes a critical truth about Indonesia’s digital financial system. Major banks today are rarely breached through their core infrastructure. Instead, attackers exploit weaknesses far outside the bank’s server room: the telecom layer, the national identity ecosystem, and the customer’s own device. These are the real entry points, and they are far more fragile than the public realize. To subscribe please click here
