I am from Indonesia. And I do think authentication is crucial for Indonesian market.

As you mentioned, scam is a big issue with SMS-based authentication. People do use sophisticated social engineering to capitalize on the lack of digital literacy from Indonesian people (digital transformation is just happening and education level is poor). And sometimes, their social-engineering skills are sophisticated enough to trap even the highly-educated people (the top 10%).

Hope you guys can bring innovation that matters to help Indonesian economy achieve its full potential!