{
    "success": true,
    "data": {
        "id": 1730183,
        "msgid": "savings-trends-shift-to-digital-banks-having-multiple-accounts-no-longer-relevant-1778457089",
        "date": "2026-05-11 06:00:00",
        "title": "Savings Trends Shift to Digital Banks, Having Multiple Accounts No Longer Relevant",
        "author": "Teuku Muhammad Valdy Arief",
        "source": "KOMPAS",
        "tags": "",
        "topic": "Finance",
        "summary": "Indonesian consumers are increasingly turning to digital banking features like \"digital pockets\" to manage their finances, reducing the need for multiple bank accounts. This shift allows users to separate expenses, savings, and investments within a single app, promoting better budgeting without the hassle of opening accounts at various banks. Financial consultant Aidil Akbar highlights how these tools aid those struggling with financial discipline, making personal finance management more accessible and efficient.",
        "content": "<p>JAKARTA, KOMPAS.com - Dian still remembers when she had to have\nmultiple bank accounts to manage her family\u2019s finances. One account was\nused to receive her salary, another for household needs, while her\nchildren\u2019s savings and investments were separated into different bank\naccounts. \u201cIn the past, I had quite a few accounts, but honestly, many\nended up unused and just piled up,\u201d said Dian (35 years old), a\nhousewife and private sector employee, to Kompas.com some time ago. With\nthe digital pocket feature, Dian admits she no longer needs multiple\naccounts to separate her various expense categories. \u201cIt\u2019s considerably\nreduced. Now, one app is enough, but I can still separate the money\naccording to needs,\u201d she said. The phenomenon experienced by Dian is\nbecoming more common as digital banking services develop in Indonesia.\nHaving multiple accounts at different banks is no longer relevant.\nSociety is gradually no longer viewing bank accounts merely as places to\nstore money, but also as tools to manage daily cash flow. President of\nthe International Association of Registered Financial Consultants\n(IARFC) Indonesia, Aidil Akbar, assesses that the digital pocket feature\nhelps people create budgets without having to open multiple accounts. He\nstates that the feature is not entirely new. The concept of digitally\nseparating money was first introduced by several digital banks a few\nyears ago and has started to be used by people who want to be more\ndisciplined in managing their finances. \u201cIndeed, digital pockets can\nhelp people with budgeting. I know some people I know who use or utilise\nthat feature, especially for those who have difficulty managing finances\nor are lazy to do budgeting on paper. So, those pockets can be used,\nwhether for saving or for investment, it\u2019s useful for them,\u201d Aidil\nexplained to Kompas.com on Monday (4\/5\/2026). \u201cBut if the service or\nproduct is available, it\u2019s very helpful. So, no need to bother opening\naccounts elsewhere,\u201d he added.<\/p>",
        "url": "https:\/\/jawawa.id\/newsitem\/savings-trends-shift-to-digital-banks-having-multiple-accounts-no-longer-relevant-1778457089",
        "image": ""
    },
    "sponsor": "Okusi Associates",
    "sponsor_url": "https:\/\/okusiassociates.com"
}