Security Awareness for Indonesia's Multifinance Industry
Multifinance and leasing companies manage sensitive customer financing data through large networks of branches, agents, and dealers. Claro helps these teams simulate, measure, and reduce the human risk behind that exposure.
Overview
Indonesia's multifinance sector, perusahaan pembiayaan, sits at an unusual intersection of risk: heavy consumer financing data, a large distributed field-agent and dealer network, and customer relationships conducted largely over WhatsApp and phone calls rather than email.
This combination makes multifinance companies an attractive target for social engineering. Attackers impersonate customers, dealers, or even OJK and internal compliance teams to reach agents and collection staff who are trained to be responsive and helpful, not suspicious.
Claro gives multifinance and leasing companies a way to test and train against these realistic scenarios across email, phone, and WhatsApp, the channels this industry actually uses day to day, rather than email-only simulation built for a typical office workforce.
The result is a program that produces evidence a compliance team can present to OJK and internal auditors, while giving branch and agent networks training that reflects how they actually work with customers.
Threats this sector faces
Customer data exposure across a large agent network
Multifinance companies hold sensitive financing, identity, and payment data across hundreds or thousands of agents and branch staff, multiplying the number of people who can be targeted or make a costly mistake.
Field agents and collection staff as social engineering targets
Field agents and debt collection staff are trained to build trust and respond quickly to customers, habits attackers exploit by impersonating customers, dealers, or internal management.
WhatsApp-based sales and service channel abuse
Much of the customer sales and collection process runs over WhatsApp. Attackers impersonate the company, a dealer, or a customer over WhatsApp to extract payments, credentials, or personal data.
Payment and collection fraud
Fraudulent instructions to redirect customer payments or waive collections are a direct financial threat, often delivered through convincing impersonation of a manager or head office.
Vendor and dealer network phishing
Dealers and vendor partners represent an extended attack surface. A compromised dealer account or impersonated vendor email can be used to reach staff who assume dealer communication is trustworthy.
How Claro helps
Bilingual, Indonesia-specific simulations
Phishing and social engineering scenarios written in natural Bahasa Indonesia and English, reflecting real multifinance workflows: financing approvals, collection calls, dealer communication, and customer service.
Compliance reporting aligned to OJK requirements
Generate reporting evidence mapped to OJK POJK 11/2022 and related multifinance regulatory expectations, ready for internal audit and regulator review.
On-premise deployment for data residency
Deploy Claro on-premise to keep customer and employee data inside your own infrastructure, an option that matters for institutions handling sensitive consumer financing records.
WhatsApp and voice (vishing) simulation
Test how agents and branch staff respond to impersonation over WhatsApp and phone calls, the two channels multifinance customer relationships actually run through, not just email.
Branch and agent network training at scale
Deliver bite-sized training modules to distributed branch and agent networks, tracked centrally so head office can see completion and comprehension across every location.
Per-user risk scoring across the agent network
Identify which branches, agents, or roles carry the highest human risk, so training and coaching can be targeted where they matter most instead of applied uniformly.
Frequently asked questions
Multifinance companies operate through large distributed agent and dealer networks and communicate with customers heavily over WhatsApp and phone, not primarily email. Generic office-focused awareness training misses these channels and roles.
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Claro brings localized phishing simulation, training, and reporting to regulated Indonesian organizations.
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