blu by BCA Digital: Saving Becomes a Collaborative Activity

blu by BCA Digital has recorded a shift in public behaviour regarding financial management. If previously saving activities were more individual in nature, now more customers are utilising joint savings to plan various needs collectively, ranging from holidays and weddings to managing daily living costs.

Head of Digital Business at blu by BCA Digital, Edwin Tirta, said this trend is evident from the increased utilisation of the bluGether feature, which allows several users to save in one savings pocket transparently without having to open a joint account.

“Over the past five years, we have seen saving shift into a collaborative moment. Through features like bluGether and bluSaving, we want to provide a space that is both functional and personal,” Edwin said in a written statement on Wednesday (23/7/2026).

According to Edwin, the flexibility of the feature has led customers to use it for various joint financial goals. Some of the most widely used categories include holiday savings with pocket names such as Healing, Mudik, and Keliling Dunia. Additionally, many customers create specific pockets to prepare for weddings, such as Wedding, Tunangan, Seserahan, and Honeymoon.

The use of joint savings has also expanded to daily needs. Customers utilise the feature to share household expenses through pockets titled Wifi, IPL, Token, BPJS, Netflix, and Pajak.

On the other hand, some users leverage bluGether to manage business funds and joint investments through pockets like Saham, Reksadana, Gold, Jastip, and Profit. There are also those who use it as a community cash fund or emergency savings.

Edwin assessed that this trend shows financial management is now increasingly prioritising transparency and collaboration, in line with the development of the public’s digital lifestyle.

Coinciding with the fifth-anniversary celebration through the bluDay Fivephoria programme, blu by BCA Digital is also inviting customers to pay attention to financial health by setting aside emergency funds through the savings features available in the blu app.

“We also invite Sobatblu not to forget to set aside security funds by creating an Emergency Fund pocket in blu so that cash flow remains healthy and maintained,” Edwin said.