Did You Know? How to Anticipate Fraud or Scam in E-Commerce

During this pandemic, we can see the increment number of online shopping through e-commerce and social media. Unfortunately, it also creates a criminal act with a new mode for a crime syndicate. However, Indonesian Cyberlaw does not explicitly regulate online fraud matters. In market practice, we can refer to Article 28, Paragraph (1) of the Indonesian Cyberlaw which governs the prohibition of spreading false and misleading news that results in consumer losses in electronic transactions.

Ministry of Communication and Information (Kemenkominfo) shares that the number of fraud cases from e-commerce and online shopping thru social media in 2021 is reported to be more than 120,000 cases. The main problems of consumer complaints are the goods ordered are not received, the process of returning goods, and complaints of goods do not match with the order.

To avoid fraudulent fake products and feel safe shopping thru e-commerce, please find some tips we can do as follow:

1. Choose trusted e-commerce that has been verified
2. Seller Verification (Rating and active contact person with fast response)
3. Read product reviews and descriptions carefully
4. Choose a secure payment method
5. Don’t ever share your one-time password (OTP)

If you are a fraudulence victim in e-commerce, in addition to reporting this case to a related e commerce complaint center, you can also do the following:

1. Report to the Police, especially the unit E-commerce task force.
2. Check the bank account through Cekrekening.id. It helps to check the history of the account number has been reported as fraud or not.
3. Check through Get Contact apps. This application can block a spam and identify the caller by entering the phone number. The name, phone number, and country of the owner of the number will appear.
4. Report to Lapor.go.id. Lapor.go.id is an online platform to receive aspiration and complaint service. It managed by Ministry of Communication and Information. Thru this apps, we can report to government for fraudulent, and then will be trace and follow up to other government institute.

Hope the above information can make you convenient to shop online and secure transactions.

If you need further explanation regarding MSIG Insurance product, please don't hesitate to contact us at 021 – 2523110 and we will be pleased to assist you.