The year 2024 will be another opportunity for fraudsters to try out new scam tactics in order to achieve their goals. With so many emerging fraud strategies, Neotizens must stay informed about current fraud trends to protect themselves and avoid becoming victims. Fraudsters commonly exploit trending topics and current events to create convincing scams and deceive their targets.

Here are the types of scams to watch out for throughout this year:

1. Package Scam

How would you react if you received a message via WhatsApp, SMS, or email containing a package delivery link addressed to your home—especially while you're away and the house is empty? Panic? Worry? Of course! That's the essence of social engineering—fraudsters provoke an emotional reaction to lure their victims.

In this package scam, once you've taken the bait, the fraudster will try to persuade you to provide personal and sensitive information (e.g., ID card number, mother’s maiden name, CVV, debit card expiry date, OTP, PIN, and password) under the pretense of verifying or canceling an order. Stay calm and never click on suspicious links from unknown sources.

2. Call Scam

Be cautious if you receive a phone call from an unknown number! It could be a fraudster impersonating a Bank Neo Commerce employee, a courier, a government official, or another trusted entity attempting to steal your personal information.

Like the package scam, the fraudster will use social engineering techniques via phone calls from unknown numbers. They may claim to be from a bank or other authority. Remember: never share personal or sensitive information with anyone, not even with someone claiming to be from the bank.

3. E-Commerce Scam

E-commerce platforms are go-to places for practical shopping, especially during flash sales, religious holidays, or special promotional periods.

However, be cautious! Fraudsters may offer products at unbelievably low prices, and once payment is made, the item is never delivered, and the seller disappears. Only shop from credible online stores, check reviews and ratings, and always verify the recipient's bank account details before making payments.

4. Prize Lottery Scam

This scam is unfortunately familiar in Indonesia. Fraudsters will contact you claiming that you’ve won a prize draw on behalf of a well-known company. You’ll then be asked to transfer money for administrative or tax fees.

Don’t fall for it! Always verify the caller's claim via the official company website, and confirm using the contact information listed on that website.

5. Donation Scam

Fraudsters will stop at nothing to make a profit—even pretending to be charitable organizations. Be vigilant! Often, these fake fundraising efforts are just a cover for fraud. Always verify the legitimacy of the organization and the recipient’s name, especially when donating via QRIS.

6. Ticket Scam

With the rise in concerts, sporting events, and new travel destinations, fraudsters know that many Neotizens are actively searching for tickets.

They pose as ticket agents or resellers, offering tempting deals at discounted prices. But once payment is made, the tickets are never sent. Instead of saving money, you could end up losing everything in your account. This is why it’s important to verify the recipient's account details before making any transactions.

7. Application (.APK) Scam

From wedding invitations and fake delivery photos to election-related invitations, fraudsters often spread malicious .APK files. Neotizens must remain cautious and resist the temptation to open these files.

Clicking on a .APK file can automatically install malicious software on your device that collects sensitive personal information from your smartphone or laptop.

Remember...

a. Keep your personal information confidential (ID number, CVV, debit/credit card expiry date, OTP, PIN, and password).
b. Never share personal data with anyone, including those claiming to be from the bank.
c. Don’t be easily tempted by attractive offers—verify their authenticity first.
d. Ensure neobank app notifications are enabled to receive transaction alerts.
e. Always safeguard your debit card, especially while traveling, and never hand it to strangers.
f. Use official websites and apps for online transactions.
g. Review your bank statement (account activity) every month.
h. Don’t download or click on suspicious files or links sent via email, WhatsApp, or SMS, especially from unknown sources.
i. If you notice suspicious activity or transactions, immediately contact Bank Neo Commerce through these official channels:

• Customer Support Phone: 1500 190
• Email: customercare@bankneo.co.id
• Facebook: facebook.com/bankneocommerce
• Instagram: @bankneocommerce
• Twitter/X: @bankneocommerce
• YouTube: Bank Neo Commerce YouTube Channel
• LinkedIn: PT Bank Neo Commerce Tbk
• TikTok: @bankneocommerce

Contact Bank Neo Commerce immediately if you encounter suspicious account activity, receive emails related to your personal bank account, or receive suspicious short messages.

Visit the official website of Bank Neo Commerce for complete information about neobank and Bank Neo Commerce.

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PT Bank Neo Commerce Tbk is licensed and supervised by the Indonesia Financial Service Authority (OJK) and Bank Indonesia (BI), and an insured member of Deposit Insurance Corporation (LPS).