In mid-2019, Dewi* suddenly found herself sitting on a debt of IDR 10 million ($736.30)—not a small amount for a Grab driver in Pontianak, the capital of Indonesia’s West Kalimantan province. More worryingly, she couldn’t even remember applying for a loan.
When several of her friends complained about receiving similar, inexplicable debt notices from a bank, it dawned on them that they had been scammed. Someone had borrowed money using their identities.
Dewi and her friends were eventually able to piece together what had happened. A few months prior, they had received an invitation via a WhatsApp group to a meeting where they were promised IDR 100,000 ($7.36) in exchange for an image of their identity cards and a photo of each person holding their IDs.