PT Bank Negara Indonesia (Persero) Tbk (BNI) is encouraging young people to build healthy financial management habits from an early age through the Lampung Financial Festival 2026 at Novotel Bandar Lampung (6/9).

During the Business Talks – Panel Discussion 1: The Bankers, BNI Regional CEO for Region 03 Bagus Ardani Sutoyo discussed young people's readiness to face economic and financial developments in the digital era.

The discussion highlighted the importance of financial literacy as access to financial services and digital transactions becomes increasingly easy. Young people need to manage their finances, understand financial products, and make decisions based on their needs and long-term goals.

BNI Encourages Healthy Financial Habits

BNI Corporate Secretary Okki Rushartomo said the convenience of digital transactions needs to be balanced with discipline in financial management.

He said healthy financial habits can begin by understanding income and expenses, distinguishing between needs and wants, and setting aside money for savings and financial goals.

“Healthy financial management can start by recognizing personal financial conditions, planning income and expenses, and controlling lifestyle. Make it a habit to set aside money for savings as soon as you receive income, prepare an emergency fund, and use debt wisely so that it does not interfere with primary needs,” Okki said in a written statement.

According to Okki, these habits should be supported by an understanding of financial products and services. People need to understand not only how to use banking services, but also their benefits, risks, and suitability for their individual financial conditions.

This understanding can help people make financial decisions based on their needs and goals rather than simply on the convenience of access.

Digital Financial Literacy Becomes Key for Young People

BNI also provided an educational class on financial management as part of the festival. The session focused on financial management amid increasing digital activity.

The education also emphasized the importance of protecting personal data and banking information, recognizing various fraud methods, and ensuring that financial information and offers come from official sources.

“BNI supports improving financial literacy among young people through products and programs that help build saving habits from an early age, starting with Taplus Anak, Taplus Muda, and wondrZ, which allows children to learn to manage finances under parental supervision. This support is also strengthened through the Life Goals feature in wondr and direct education through BNI Goes to School,” Okki said.

BNI Supports Financial Literacy and Inclusion

Okki said financial and digital literacy are important provisions for young people as economic changes continue to accelerate.

The ability to manage finances properly can help young people become more prepared to use available opportunities while maintaining financial resilience.

As a state-owned enterprise within the Danantara Indonesia ecosystem, BNI continues to support human resource development through expanded financial literacy, financial inclusion, and responsible use of digital services.

BNI believes that a combination of healthy financial management, digital literacy, and a willingness to continue learning can become a foundation for young people to build financial independence and contribute to national economic growth.

PHOTO: BNI

This article was created with AI assistance.

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