Jakarta, October 30, 2025 – Amid the ever-evolving and challenging dynamics of the global and national economy, it is increasingly important for people to be more prudent and wise in managing their finances. Addressing this need, Jenius from SMBC Indonesia held an online financial class called “Jenius Ways to Face the Current Economic Dynamics.”

“Jenius understands that the current situation is not easy for many people. However, Jenius believes that the ability to understand the situation and financial management is one of the key to navigating upcoming changes. This financial class is part of Jenius' commitment as a life finance solution to continue supporting and providing education to our Teman Jenius, including the media colleagues today,” said Febri Rusli, Digital Banking Product & Innovation Head of SMBC Indonesia.

Also present was Budi Raharjo, a Certified Financial Planner and Director & Co-Founder of Oneshildt Financial Planning, who shared insights and financial strategies for addressing today’s economic conditions. Some of the key points discussed included: the importance of checking one’s financial condition, managing expenses wisely, reassessing needs versus wants, and viewing investment opportunities as a proactive measure.

“The dynamic global and national economic situation demands a higher awareness of personal finances. A well-managed mindset is crucial in recognizing opportunities. By understanding priorities and utilizing various digital tools wisely and carefully, we can be better prepared to face any situation,” said Budi Raharjo.

Budi shared several practical steps to manage finances amid the current economic situation. First, review your financial condition, including cash flow, emergency funds, and the adequacy of health/life protection. Then, manage spending by understanding the difference between needs and wants, and prioritizing expenses accordingly. Use promotions wisely to save on regular expenses, and be prudent with debt by knowing your repayment capacity.

​​Furthermore, maintaining financial stability involves increasing emergency funds, maintaining active personal protection, investing according to one’s risk profile, and creating opportunities by starting a business or offering services.

As a digital bank that has accompanied millions of digital-savvy individuals for nine years, Jenius continues to develop innovative features to help users manage their finances comprehensively based on their personal needs.

These features include Moneytory, a financial diary for tracking incomes and expenses, helping users manage their cash flow more easily within the Jenius app. Cash Cow, a savings account dedicated to saving cashback from promos, offering 6% p.a. interest. Bayar & Nabung (Pay & Save), a feature that helps users save into Cash Cow every time they make a QRIS payment or bill payment.

Another saving feature that Jenius has, Save It, which includes Flexi Saver, Dream Saver, and Maxi Saver for short to long-term saving goals. The Investment feature enables users to invest in mutual funds (Rupiah or USD) or secondary bonds directly from the app. Creditbility displays users’ creditworthiness and allows users to flexibly allocate their credit limit to three Jenius credit products: Paylater, Flexi Cash, and Jenius Credit Card. There's also Foreign Currency, enabling users to buy, sell, send, and receive nine foreign currencies directly from Jenius account, 24/7.

“Through various initiatives, Jenius is committed to being a relevant and adaptive financial partner—not just for today, but for the future. With the spirit of Think Unthinkable, Jenius will continue to bring innovations that help digital-savvy individuals improve their quality of life and finances,” Febri concluded.

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