praktik

Unveiling a Deceptive Modus Operandi

The intricate fraud scheme was detailed by Edwin Hidayat Abdullah, Director General of Digital Ecosystems at Komdigi. According to Abdullah, this deceptive practice continues to surface despite the universal adoption of facial recognition technology for customer registration by all cellular operators in Indonesia. The core of the issue lies in the vendor’s ability to manipulate the registration process: a SIM card is initially activated using the vendor’s own biometric data, sold to a customer, and then, after the customer begins using the service, the vendor unilaterally cancels the registration. This leaves the customer utilizing a number that is not officially registered under their name, creating a significant security and ownership void.

"There are still those who try to exploit the system," Abdullah stated in remarks quoted by Selular on Wednesday, July 21, 2026. "A card is activated with their face, taken by the customer, and after the customer uses it, it is then unregistered, causing the customer to suffer losses." The discovery was made during a routine inspection conducted by Abdullah and his team on Friday, July 17, at a shopping center in Yogyakarta, aimed at assessing the implementation of biometric registration protocols. This targeted inspection highlighted a critical vulnerability within the system, demonstrating that human elements and unscrupulous practices can still circumvent technological safeguards designed for consumer protection.

The Perilous Implications for Consumers

The consequences of such a fraudulent act are far-reaching and potentially devastating for consumers. Primarily, customers risk losing access to their phone numbers without warning, as the actual registered owner (the vendor) can unilaterally terminate the service. Beyond mere inconvenience, the implications extend to critical aspects of digital life. In today’s interconnected world, mobile numbers are inextricably linked to a user’s digital identity, serving as a primary identifier for various online services, banking applications, social media, and two-factor authentication (2FA).

When a SIM card is not registered under the actual user’s identity, the individual effectively has no legal claim to the number. This can lead to significant disruptions, including being locked out of essential online accounts, inability to receive critical alerts, and potential exposure to identity theft. If the vendor, or any malicious actor gaining access to the vendor’s details, were to re-register the number or misuse its associated digital identity, the legitimate user could face financial fraud, unauthorized access to personal data, and severe privacy breaches. The lack of proper ownership also complicates law enforcement investigations should the number be involved in illicit activities, further obscuring the trail of genuine users and perpetrators.

A Deeper Look at Indonesia’s SIM Card Registration Framework

Indonesia, with one of the largest and most dynamic mobile markets globally, has long grappled with the challenges of managing SIM card registrations. The sheer volume of mobile subscribers, often exceeding the total population due to multiple SIM card ownership, necessitated robust regulatory frameworks. Prior to stringent regulations, the ease of acquiring unregistered SIM cards contributed to various social ills, including the proliferation of spam messages, fraudulent calls (scams), and even enabling criminal activities by providing untraceable communication channels.

The journey towards a more secure registration system began in earnest with Ministerial Regulation No. 12 of 2016 on Telecommunication Customer Registration, later amended by Ministerial Regulation No. 14 of 2017. This landmark regulation mandated all prepaid SIM card users to register their numbers using their National Identity Card (NIK) number and Family Card (KK) number. The initial phase focused on alphanumeric verification against the national population database (Dukcapil), aiming to link every active SIM card to a unique individual. This move was a significant step in combating anonymity and enhancing accountability in the digital sphere.

However, even with NIK/KK registration, loopholes persisted. Instances of identity theft where individuals’ NIK/KK data were illicitly used to register multiple SIM cards without their consent became a new challenge. This led to the subsequent push for more advanced verification methods, particularly biometric technology. The rationale was simple: while alphanumeric data can be stolen or duplicated, biometric data, such as facial features or fingerprints, offers a far more unique and difficult-to-replicate identifier. The implementation of facial recognition for SIM card activation was thus a natural progression, intended to create a virtually unbreachable barrier against fraudulent registrations and ensure that "what we use is truly in our name," as Abdullah emphasized.

The Mandate for Biometric Verification: How it Works and Its Intended Purpose

The introduction of biometric verification, specifically facial recognition, marked a significant technological leap in Indonesia’s SIM card registration process. When a customer purchases a new SIM card, the process typically involves several steps:

1. Submission of Personal Data: The customer provides their NIK and KK numbers.
2. Data Validation: This alphanumeric data is electronically verified against the Dukcapil database.
3. Biometric Capture: The customer’s face is scanned using a camera (often via a dedicated app on the vendor’s device or an official operator kiosk).
4. Biometric Matching: The captured facial data is then matched against the photographic data associated with the NIK in the national database.
5. Activation: Upon successful verification and matching, the SIM card is activated.

The intended purpose of this multi-layered verification system is to create an undeniable link between the physical SIM card, the digital mobile number, and the unique identity of the actual user. This robust process aims to:

• Prevent Identity Theft: By requiring a live biometric match, it becomes significantly harder for criminals to register SIM cards using stolen NIK/KK data.
• Combat Fraud and Spam: Eliminating anonymous SIM cards makes it easier to trace perpetrators of online scams, telemarketing fraud, and unsolicited messages.
• Enhance National Security: In an era of increasing digital threats, the ability to identify and trace individuals behind communication channels is crucial for intelligence gathering and law enforcement.
• Protect Consumer Rights: Ensuring that a SIM card is registered under the correct name provides consumers with legal ownership and recourse in case of disputes or service issues.

Challenges in Enforcement and Compliance

Despite the advanced technology and clear regulations, the persistence of fraud, as highlighted by Komdigi’s findings, reveals inherent challenges in enforcement and compliance.

• Vendor Integrity: The primary loophole exploited in this scheme is the lack of integrity among certain vendors. While cellular operators train and equip their authorized distributors and resellers with the necessary tools and knowledge for biometric registration, the temptation for illicit gains or a desire to bypass perceived cumbersome procedures can lead to non-compliance.
• Lack of Real-time Oversight at Point of Sale: While the system is designed to be robust, the sheer number of points of sale across Indonesia makes real-time, in-person oversight by regulatory bodies incredibly difficult. Operators rely on their own internal audit mechanisms, but these may not catch every instance of misconduct.
• Technical Loopholes and Workarounds: As technology evolves, so do methods to circumvent it. While facial recognition is robust, some vendors might find technical workarounds or exploit system vulnerabilities during the initial activation process. The ability to "de-register" a card post-sale points to a potential flaw in the process or an abuse of administrative privileges.
• Public Awareness and Consumer Vigilance: Many consumers, especially those in rural areas or those less digitally literate, may not fully understand the importance of proper SIM card registration or the risks associated with an improperly registered card. This lack of awareness makes them easier targets for unscrupulous vendors.

Cellular Operators’ Role and Response (Inferred)

Indonesia’s major cellular operators – including Telkomsel, Indosat Ooredoo Hutchison, XL Axiata, and Smartfren – have invested heavily in implementing the biometric registration system. They are legally obligated to ensure compliance from their vast network of distributors and retail partners. Upon such findings from Komdigi, operators would likely reiterate their commitment to adhering to all regulatory requirements and maintaining the integrity of their registration processes.

Their response would likely include:

• Reinforcing Vendor Training: Renewed efforts to educate vendors on proper procedures and the severe consequences of non-compliance.
• Enhanced Monitoring and Auditing: Implementing stricter internal controls and audit mechanisms to detect and prevent fraudulent registrations.
• Disciplinary Actions: Imposing penalties, up to and including termination of contracts, for vendors found engaging in fraudulent practices.
• Technological Improvements: Continuously upgrading their systems to close any potential loopholes and enhance the security of biometric verification.
• Public Awareness Campaigns: Collaborating with Komdigi to educate consumers about the importance of verifying their SIM card registration status.

Industry observers would suggest that such incidents pose a significant reputational risk to operators, who are ultimately responsible for the services provided through their networks. They would be under pressure to demonstrate proactive measures to combat fraud and protect their customer base.

Komdigi’s Stance and Ongoing Oversight

Edwin Hidayat Abdullah’s strong remarks underscore Komdigi’s unwavering commitment to upholding the integrity of the digital ecosystem. His emphasis on "the era of honesty" reflects a broader governmental push for transparency and accountability in all digital transactions. Abdullah reiterated that SIM cards must be registered using the identity and biometric data of the actual owner. Any deviation, such as using another person’s face, renders the user’s identity inconsistent with the registration data, thereby nullifying the security benefits of the system.

"These are practices in the field that must be watched out for. We are now in an era of honesty; what we use must be in our name," he stated. Abdullah also stressed that the effective implementation of biometric registration requires the cooperation of all stakeholders to ensure transparency and adherence to regulations. While acknowledging that the majority of parties are now compliant, with the number of compliant entities outweighing those who are not, he did not provide specific figures. "More are compliant than not, but we hope that those who are not will gradually disappear, and we can move forward better," Abdullah concluded, indicating Komdigi’s ongoing vigilance and expectation for continuous improvement.

Komdigi’s role extends beyond mere oversight. It involves setting policy, coordinating with various stakeholders (operators, national identity agencies, law enforcement), and launching public awareness campaigns. The ministry would likely continue to conduct unannounced inspections, respond to public complaints, and collaborate with law enforcement agencies to prosecute perpetrators of SIM card fraud.

Consumer Advocacy and Digital Rights (Inferred)

Consumer advocacy groups in Indonesia would likely view Komdigi’s findings with serious concern. They would emphasize the critical need for robust consumer protection mechanisms, given the potential for significant harm from such fraud. Their calls would include:

• Easier Reporting Mechanisms: Simplifying the process for consumers to report suspected fraud or verify their SIM card registration status.
• Clear Redressal Pathways: Establishing clear and effective channels for victims of fraud to seek compensation or regain control of their numbers.
• Enhanced Public Education: Launching comprehensive campaigns to educate consumers about their rights, the risks of unregistered SIM cards, and how to protect their digital identity.
• Accountability for Operators and Vendors: Demanding that cellular operators take full responsibility for the actions of their vendors and implement stringent measures to prevent such fraud.
• Privacy Concerns: While biometric registration is for security, consumer advocates might also raise concerns about data privacy and how biometric data is stored and protected by operators and the government.

Broader Impact on Digital Ecosystem Security

The integrity of SIM card registration is a cornerstone of a secure digital ecosystem. When this foundation is compromised, the ripple effects can be substantial:

• Erosion of Trust: Consumers may lose trust in the digital services and the regulatory framework designed to protect them, potentially hindering digital adoption.
• Economic Implications: Fraudulent activities can lead to financial losses for individuals and businesses, impacting the broader digital economy.
• National Security Risks: The ability for individuals to obtain untraceable communication channels remains a concern for law enforcement and national security agencies in combating terrorism, cybercrime, and other illicit activities. If fraudulent registrations persist, it creates blind spots that can be exploited by criminals.
• Regulatory Burden: The constant need to address loopholes and adapt regulations places a continuous burden on governmental bodies and increases compliance costs for businesses.

Looking Ahead: Strengthening the Digital Fortress

Komdigi’s discovery serves as a stark reminder that in the rapidly evolving digital landscape, vigilance and adaptation are paramount. While significant strides have been made in securing digital identities in Indonesia, the fight against fraud is an ongoing battle. Future efforts will likely focus on:

• Technological Innovations: Exploring advanced AI-driven anomaly detection in registration patterns, blockchain for immutable identity records, or other emerging technologies to further fortify the system.
• Cross-Sectoral Collaboration: Strengthening collaboration between Komdigi, cellular operators, national identity agencies (Dukcapil), financial institutions, and law enforcement to create a more integrated and resilient defense against fraud.
• Continuous Policy Review: Regularly reviewing and updating existing regulations to address new threats and close emerging loopholes.
• International Cooperation: Learning from best practices and challenges faced by other nations in managing digital identity and combating SIM card fraud.
• Empowering Consumers: Equipping consumers with tools to easily verify their registration status, report suspicious activities, and understand their rights and responsibilities in the digital realm.

The goal remains to establish an unimpeachable digital identity framework that not only facilitates seamless digital transactions but also provides robust protection against fraud and enhances national security, ensuring that every digital interaction in Indonesia is built on a foundation of trust and verifiable identity.