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Fintech, the Financial Services Sector with the Highest Number of Consumer Complaints in 2025

Nabilah Muhamad 16/01/2026 12:53 WIB

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In 2025, the Financial Services Authority (OJK) in Indonesia received 56,620 consumer complaints. The majority of these were related to the fintech sector.

Number of Consumer Complaints Received by OJK Based on Complaint Sector in Indonesia (January 1 - December 28, 2025)

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Number of Consumer Complaints Received by OJK Based on Complaint Sector in Indonesia (January 1 - December 28, 2025)

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From January 1 to December 28, 2025, the Indonesia's Financial Services Authority (OJK) received 56,620 complaints through the Consumer Protection Portal Application (APPK).

The majority of complaints were related to the financial technology (fintech) sector, totaling 21,886 complaints.

This was followed by 20,972 complaints from the banking sector, 11,309 complaints from the financing company sector, 1,619 complaints from the insurance industry sector, and 834 complaints from the capital market and other non-bank financial industry (IKNB) sectors.

In the context of consumer protection, during the period of January 1 to December 31, 2025, OJK issued written warnings and/or administrative sanctions in the form of:

175 Written Warnings to 144 financial services business actors (PUJK);
40 Written Instructions to 40 PUJKs; and
43 Fines to 40 PUJKs.

In the period of January 1 to December 14, 2025, 177 PUJKs compensated consumers for total losses amounting to Rp82.46 billion, USD 3,281, and SGD 27,365.

Throughout January 1 to December 31, 2025, OJK also imposed 19 Administrative Sanctions in the form of Written Warnings and 19 Administrative Sanctions in the form of Fines totaling Rp3.82 billion for violations of consumer protection provisions in providing information in advertisements, debt collection officers, and insurance claims.

"To prevent similar violations from recurring, OJK also issued orders to take certain actions, including removing advertisements that do not comply with regulations, adjusting policies, and paying consumer claims," OJK stated in a press release on Friday (9/1/2026).

Editor : Adi Ahdiat

"Disclosure: This is an AI-generated translation of the original article. We strive for accuracy, but please note that automated translations may contain errors or slight inconsistencies."

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Fintech, the Financial Services Sector with the Highest Number of Consumer Complaints in 2025

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