Phishing resilience for Indonesian banks
Banks are the most targeted sector for credential theft and fraud. Claro hardens your people against it, and gives you the OJK-aligned reporting to prove it.
Overview
Banks and financial institutions hold exactly what attackers want in one place: money, privileged access to core systems, and large volumes of sensitive customer data. Because technical controls at most banks are mature, attackers increasingly go around them and target people instead. Phishing, business email compromise, and social engineering are consistently the first step in the incidents that actually cause losses, and they succeed because they exploit trust, urgency, and routine rather than software flaws.
In Indonesia these attacks are highly localized. Lures are written in fluent Bahasa Indonesia, reference real interbank systems, regulators, and vendors, and are timed around reporting deadlines, promotions, or month-end reconciliation. Attackers also blend channels, opening with an email and following up by phone or WhatsApp to add pressure on a teller, relationship manager, or finance officer. A single credential that opens core banking or admin tooling can turn into fraudulent transfers, data exposure, and a reportable incident within hours.
Banks operate under close supervision. OJK POJK 11/2022 and related guidance expect institutions to manage information security risk continuously, including the human layer, and to be able to show evidence of testing, awareness, and improvement. Boards and audit committees want the same picture in language they can act on. That raises the bar from occasional training to a measurable, defensible program with a clear record of simulation cadence, click and report rates, remediation, and trend over time.
Claro gives bank security teams one platform to run realistic phishing, vishing, and WhatsApp simulations modeled on local attack patterns, to enroll high-risk staff in targeted training automatically, and to quantify human risk by branch, division, and role. Reporting is built for both examiners and the board, mapping activity to ISO 27001 controls and OJK expectations. Claro can run fully on-premise so customer and employee data never leaves your environment, and integrates with your directory through SSO, SCIM, and LDAP.
Threats this sector faces
Credential phishing against core systems
Fake login pages that mimic core banking, email, or admin portals remain the leading way attackers gain a foothold, targeting tellers, relationship managers, and IT staff whose access is most valuable.
Business email compromise
Attackers impersonate executives, correspondent banks, or vendors to authorize fraudulent payments, redirect settlement instructions, or change beneficiary bank details under time pressure.
Customer-data theft and fraud enablement
Social engineering aimed at staff who handle customer records can expose account data used for downstream fraud, and carries both reputational and regulatory consequences under UU PDP and OJK rules.
Vishing and third-party route attacks
Phone-based impersonation of the helpdesk, a regulator, or a supplier bypasses email controls entirely and preys on staff trained to be helpful, especially in branches and contact centers.
WhatsApp and executive impersonation
Fake messages from a supposed director or manager, sent over WhatsApp with a spoofed name and photo, pressure junior staff into urgent transfers, gift-card purchases, or sharing internal information.
How Claro helps
Realistic, localized simulations
Run phishing, vishing, and WhatsApp simulations in Bahasa Indonesia and English, modeled on the fraud, BEC, and OTP attacks Indonesian banks actually face, using templates you can tailor to your systems.
Risk scoring by branch, team, and role
Quantify human risk across the whole institution and drill into individual branches, divisions, and roles so leadership can see where exposure is highest and direct effort accordingly.
Automated remediation
Repeat clickers and high-risk staff are enrolled in short, targeted training automatically, and just-in-time awareness pages appear the moment someone clicks a simulated lure.
OJK-aligned and board-ready reporting
Generate reports mapped to ISO 27001 controls and structured for OJK examiners and the board, showing simulation cadence, click and report rates, training completion, and improvement over time.
Phish reporting and response loop
A one-click report button lets staff flag suspicious email, feeding real reports to your security team and turning employees from a risk into an early-warning sensor.
On-premise deployment and identity integration
Deploy Claro fully on-premise so all data stays inside your environment, and connect to your existing directory with SSO, SCIM, and LDAP for provisioning and access control.
Frequently asked questions
Yes. Claro produces the phishing-testing results, human-risk scores, and trend reporting that support OJK POJK 11/2022 expectations for managing information security risk, including the human layer. See our OJK compliance guide for detail. Claro does not issue regulatory certifications on OJK's behalf.
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