Digital surfaces
Threat themes
- Account Takeover
- Data Breaches
- Payment Fraud
Recommended services
Verified Indonesia industry data
Official Indonesia data, shown as market-level context — not per-company loss estimates.
QRIS user and merchant reach
57m users · 39.3m merchants
QRIS users and registered merchants.
- Official source:
- Bank Indonesia — QRIS Jelajah Indonesia 2025
- Timeframe:
- Semester I 2025
- Scope note:
- Payment-system adoption context only.
Digital payment transaction volume
12.99bn transactions · +38.08% YoY
Digital payment transaction volume and year-on-year growth.
- Official source:
- Bank Indonesia — FEKDI x IFSE 2025 press release
- Timeframe:
- Q3 2025
- Scope note:
- Payment volume context for mobile banking, wallets and commerce.
Phone numbers reported by fraud victims
120,155 phone numbers
Phone numbers reported by fraud victims.
- Official source:
- OJK / IRU — May 2026 Board of Commissioners Meeting
- Timeframe:
- 22 Nov 2024–31 May 2026
- Scope note:
- Impersonation, messaging and social-engineering context.
QRIS risk-control context
IDR10m cap · licensed PSPs · merchant verification
QRIS guidance: transaction cap, licensed PSPs and merchant verification.
- Official source:
- Bank Indonesia — QRIS information page
- Timeframe:
- Current public guidance
- Scope note:
- Payment-system guidance; not a BilgeQor control claim.
Likely loss areas
Loyalty flows, consumer apps, QRIS payment acceptance, CRM exports, WhatsApp/SMS contact points and promotional links can become account-abuse, impersonation and customer-service risk.
What structured security support changes
Dimension
Visibility
With structured support
Critical surfaces, access paths, payment flows, customer data and vendor dependencies are mapped before they become an incident.
Without structured support
Risk is often discovered after a fraud report, blocked account, service disruption, customer complaint or partner security review.
Dimension
Prioritisation
With structured support
Findings are translated into a business-prioritised roadmap, so urgent access, payment, backup and logging issues are handled first.
Without structured support
Technical issues stay scattered across teams; fixes compete with product work without a clear impact view.
Dimension
Evidence
With structured support
A security file, executive summary, remediation notes and follow-up record make security easier to explain to leadership, partners and buyers.
Without structured support
The organisation may rely on informal assurance and screenshots when customers, banks, partners or regulators ask difficult questions.
Dimension
Incident readiness
With structured support
Logging, access ownership, backup expectations and response paths are checked before a fraud, ransomware or service-disruption event escalates.
Without structured support
Response is slower because account ownership, vendor access, logs, backups and communication responsibilities are unclear.
Dimension
Cost exposure
With structured support
Preventive work becomes budgetable and tied to official market risk signals instead of vague fear.
Without structured support
Cost often appears during a crisis: lost transactions, blocked accounts, recovery work, customer trust loss and rushed remediation.
BilgeQor Method
For Indonesia, BilgeQor turns official market signals into a practical security file: what is exposed, what could create business impact, and what should be handled first.
01
Market and sector evidence
We start with official Indonesia data from OJK, IASC, Bank Indonesia, BSSN / ID-SIRTII, Kominfo-CSIRT, Komdigi, Polri and BPS where relevant.
02
Exposure mapping
We map payment flows, customer portals, mobile apps, APIs, admin roles, cloud storage, vendor access and public-facing forms.
03
Impact framing
We connect each risk to practical loss areas: fraud handling, blocked accounts, downtime, customer trust, partner review, recovery cost and remediation pressure.
04
Security file delivery
We deliver a structured executive summary, prioritised findings, remediation notes and a 14/30/90-day action path where appropriate.
05
Follow-through
One-off reviews can become monthly advisory, retesting, hardening or launch-readiness work when the team needs continued support.
The method does not guarantee prevention, recovery, compliance or regulator approval. It creates clearer security decisions using verified evidence and a maintained delivery record.