BI Strengthens Financial Literacy and Digital Financial Inclusion Through 'KLIK' Initiative

Jakarta – Bank Indonesia (BI) remains committed to strengthening financial literacy and digital financial inclusion among the Indonesian public, amid rapid digitalisation of the economy and financial services. Through the ‘Strengthen Financial Literacy and Inclusion for Prosperity’ (KLIK) initiative, BI is collaborating with stakeholders, optimistic about creating financial well-being for society.

BI Governor Perry Warjiyo stated that financial literacy and inclusion levels in Indonesia have improved year-on-year. Nevertheless, these achievements still require further advancement.

Data from the 2025 National Financial Literacy and Inclusion Survey (SNLIK) covering the National Council for Inclusive Finance (DNKI) recorded national financial inclusion at 92.74 per cent, whilst literacy levels had only reached 66.64 per cent.

“We need to increase literacy levels because our target is 98 per cent by 2045, in line with the National Long-Term Development Plan 2025-2045,” Perry said during the launch of the ‘KLIK Initiative’ and ‘I Can Prosper’ programme in Jakarta on Friday (6 March 2026).

Perry highlighted various challenges, including digital crimes (scams) and illegal online lending. Strengthening literacy is considered key to protecting the public from such issues.

“Financial literacy and inclusion ultimately lead to consumer protection. Through the KLIK initiative, BI is calling for collective synergy to improve financial literacy and inclusion,” he said.

Perry noted that BI is continuously strengthening literacy and inclusion through acceleration of digital payment systems, such as promoting the Quick Response Code Indonesian Standard (QRIS) and Bank Indonesia Fast Payment (BI-Fast).

BI recorded QRIS growth of 131.47 per cent year-on-year as of January 2026. The number of QRIS users has surpassed 60 million, with the majority being micro, small and medium enterprises (MSMEs). Meanwhile, retail transaction volume processed through BI-Fast reached 455 million transactions with a transaction value of Rp 1.176 trillion.

“The acceleration of digital payment systems must be accompanied by strengthened financial literacy, particularly digital literacy. Financial well-being, especially for MSMEs and the grassroots economy, is important through synergy of sustainable payment systems, access to productive financing, and enhanced financial literacy including consumer protection. These are collective steps,” he explained.

These measures are being implemented through the ‘KLIK’ initiative with the ‘I Can Prosper’ movement, a financial access initiative combining business matching and literacy education for financial well-being.