Home » #Headline » Be careful of being deceived, this is a bogus Fintech mode to snare novice investors – Gizmologi

Be careful of being deceived, this is a bogus Fintech mode to snare novice investors – Gizmologi

JThe hope of online loans (pinjol) or fake fintech never ends. Although often eradicated, there are still some that reappear. According to the Investment Alert Task Force (SWI), from 2018 to July 2021, 3,365 Illegal Fintech Lending have been closed.

Most of these illegal fintechs circulate digitally through offers via SMS or messenger groups, such as Telegram and WhatsApp. According to Deputy Chairperson I of the Indonesian Fintech Association (AFTECH) Karaniya Dharmasaputra, this fraud mode has caused a lot of harm to the community.

“The reason is that those targeted through chat messenger groups such as Telegram are not entrepreneurs or conglomerates, but ordinary people who are lulled by profitable investment offers,” Karaniya said in an online discussion. ,” Thursday (15/7/2021).

Read also: Beware of Illegal Loans, These are 124 Official Fintech Lending Licensed OJK

Karaniya explained, the modus operandi of bogus fintechs is through messenger groups by copying and falsifying logos from original companies based on fintech brands that are well known to the public. This is done in order to increase trust as if the official account has been provided on the messenger platform.

“To make it more certain that these groups have a number of members, most of which are filled by bots. To increase trust, the perpetrators also load permit documents that they don’t know where they can come from or make their own with the OJK and regulator logos, creating the impression of an official account,” he added.

Meanwhile, transfer requests often occur to accounts in the name of the company but use the name of an individual. If people find it, it’s also good to be careful.

How to tell the difference between fake and official fintech

Karaniya also said that it was impossible for an official fintech to ask customers to transfer to a personal account. He asks not to get caught in the lure and sends money to the account.

The same thing was conveyed by Deputy Chairperson IV of the Indonesian Fintech Association (AFTECH), Marshall Pribadi where official fintechs will not make offers through social media and short message platforms (SMS). Even narrower in the context of group chats.

“If there is an offer from a chat group from Telegram or Whatsapp, there is a high possibility of fraud, so we ask that an offer from the chat group check first on the website Cekfintech.id,” he said.

Marshall added that there are also investment offers that can include a down payment first. However, this advance is not known to the official company and if there is a mode it is most likely a fraud.

“Official fintech does not recognize the term DP (down payment). If there is a down payment for the investment, it must also be very vigilant and checked first because there is a high possibility of fraud, “explained Marshall.


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