JAKARTA, KOMPAS.com \u2013 Managing money is often not about the size of\none\u2019s income, but about how you allocate it from the outset. This was\nfelt by Maya (36), a private-sector employee in South Jakarta, who says\nshe used to struggle to maintain savings because all her money was\npooled in a single account.<\/p>\n
\u201cI intended to save, but when I saw the balance was still high it got\nspent again. Sometimes for snacks, sometimes impulsively bought concert\ntickets or dining out,\u201d she told Kompas.com on Tuesday, 12 May 2026.<\/p>\n
That condition made Maya feel her spending was often not controlled.\nShe only began to find a more practical method after trying the Kantong\nfeature in the Jago app in 2022.<\/p>\n
Through that feature, Maya started separating money according to\ncertain needs, starting from daily expenses, holiday savings, to\nemergency funds.<\/p>\n
\u201cIt\u2019s much easier to manage money because each need has its own\nposition. So, you know your spending limits better,\u201d Maya said.<\/p>\n
Director of Group Research at the Deposit Insurance Corporation (LPS)\nSeto Wardono said the share of digital bank savings has risen in recent\nyears. The share of digital bank savings rose from 0.8 per cent in March\n2022 to 1.8 per cent in March 2026.<\/p>\n
Moreover, the number of digital bank accounts has risen\nsignificantly. In March 2022, digital bank accounts accounted for only\nabout 4 per cent of total bank accounts. But by March 2026, their share\nreached 22 per cent.<\/p>\n
\u201cSome digital banks are also within digital ecosystems such as\nmarketplaces, transportation, e-wallets, which increases engagement of\nsavers with banks,\u201d Seto explained as reported by Kompas.com, Tuesday,\n12 May 2026.<\/p>\n
Head of Retail Banking Brand and Marketing Bank Jago Michael Hartawan\nsaid that the Kantong feature in the Jago app was developed from the\nIndonesian public\u2019s habit of separating money according to needs for a\nlong time.<\/p>\n
According to Michael, the concept is similar to the habit of saving\nmoney in envelopes or different containers, but now it is made in\ndigital form to be more practical.<\/p>\n
\u201cWe believe that every money has a place and purpose, so we developed\nthe Kantong (pocket) feature in the Jago App that can be personalised up\nto 60 Kantong,\u201d Michael told Kompas.com, on Tuesday, 5 May 2026.<\/p>\n
He said the public now places more emphasis on ease, efficiency, and\na seamless financial experience. If in the past people needed to open\nseveral different accounts to separate needs, now this can be done in\none app.<\/p>\n
\u201cWith Kantong, customers can give meaning to every rupiah, whether\nfor daily needs, savings, or long-term goals. Without having to open\nmany accounts, they can still feel financial discipline and tighter\ncontrol,\u201d Michael said.<\/p>\n
This article is part of Lestari KG Media, an initiative to accelerate\nthe Sustainable Development Goals. Read more.<\/p>", "url": "https:\/\/jawawa.id\/newsitem\/salary-often-leaks-subtly-a-simple-method-thats-trending-among-young-people-1779542111", "image": "" }, "sponsor": "Okusi Associates", "sponsor_url": "https:\/\/okusiassociates.com" }