Bank Raya Encourages Students and MSMEs to Be More Productive Through Digital Banking

Bank Raya continues to promote digital financial literacy in the community through various educational activities. As a digital bank under the BRI Group, Bank Raya has reintroduced the Inspiraya programme with the theme ‘Financial Wellness in the Digital Era: Manage Money According to Goals, Live More Peacefully’.

At the event, Bank Raya’s Head of Digital & Product Division M. Farhad and Financial Planner Lolita Setyawati led discussions on the importance of financial management. This includes managing daily needs, saving for medium- and long-term goals, and separating business and personal finances for healthier and more sustainable management.

The Inspiraya programme is a regular financial literacy initiative held both online and offline as part of efforts to educate the public on practical and relevant financial management for today’s needs. Throughout 2026, Bank Raya’s financial literacy programme has produced over 40 content pieces, reaching more than 50,000 audience members.

Corporate Secretary of Bank Raya, Ajeng Putri Hapsari, explained that as a digital bank within the BRI Group, Bank Raya strives to provide financial literacy that is relevant to the current needs of society, particularly the younger generation and business actors. ‘Through Inspiraya, we want to encourage more people to develop healthy financial habits, manage money according to their goals, and utilise digital banking services practically to support their productivity and financial well-being,’ Ajeng stated in an official release on Wednesday (1/7/2026).

Bank Raya also introduced the convenience of digital banking services through the Raya App, designed to help customers manage their finances more practically and in a planned manner. For personal financial needs, customers can use the Saku Bujet feature to manage daily expenses, Saku Pintar for automatic monthly savings, and Saku Jaga Optimal to meet long-term emergency fund needs with flexible tenors.

Ajeng emphasised that Bank Raya believes financial literacy combined with access to appropriate digital financial solutions can encourage the public to build healthier financial habits. ‘Through various service innovations and educational programmes like Inspiraya, we aim to expand our role in supporting the public to become more financially capable, more at ease in planning their future, and more productive in their daily activities and businesses,’ she stressed.

For business operators, Bank Raya also offers Saku Bisnis, which enables more practical business financial management by allowing the separation of business and personal finances while remaining easily accessible through a single device. This solution is designed to support MSMEs in managing their business cash flow in a more orderly, efficient, and transparent manner, so that business operations can run more optimally.

During the discussion session, Financial Planner Lolita Setyawati shared her views on the importance of financial wellness in the digital era, where the ease of transactions and access to various financial services must be balanced with disciplined, goal-oriented planning. According to her, healthy financial management begins with understanding priorities, creating a realistic budget, building consistent saving habits, and preparing emergency funds and long-term financial goals from an early stage.

Meanwhile, Bank Raya’s Head of Digital & Product Division, M. Farhad, stated that the use of digital technology can help the public build better financial habits if supported by relevant and user-friendly features. He noted that in the digital era, financial management should become part of a healthy and productive lifestyle. Through the Raya App, Bank Raya aims to provide a banking experience that is not only practical for transactions but also helps customers manage their finances according to their goals, whether for daily needs, savings, emergency funds, or business management. ‘Through the Saku Bisnis feature in the Raya App, we want to help business operators manage their business finances with more discipline by separating business and personal funds. With neater and more easily monitored cash flow management, we hope business operators can focus more on developing their businesses,’ M. Farhad explained.