Don't Just FOMO: The Importance of Crypto Asset Education Before Investing

JAKARTA - Education on digital financial assets, particularly crypto assets, for Indonesia’s young generation as an investment is highly important. A study by the Institute for Economic and Social Research at the Faculty of Economics and Business, University of Indonesia (LPEM FEB UI) in 2025 revealed that the majority of owners of digital financial assets are dominated by the under-35 age group.

This phenomenon positions the young generation as one of the drivers of adoption of the national digital financial ecosystem in the future. In facing this development, awareness of literacy becomes the main key so that growth can proceed sustainably and prioritise aspects of security and consumer protection.

The Executive Head of Supervision for Technology Innovation in the Financial Sector, Digital Financial Assets and Crypto Assets at OJK, Adi Budiarso, stated the importance of literacy in crypto asset transactions. This was conveyed during education on crypto assets to students at the Faculty of Economics and Business, University of Indonesia (FEB UI).

“Our main task here as regulators, business actors, and academics is not just about accelerating the pace of adoption, but ensuring that consumers do not just follow trends or get caught up in FOMO, and receive adequate protection. We do not want the market to become a pure arena of speculation, where the public is only tempted by narratives of quick riches without understanding the accompanying risks,” he said in his statement, Jakarta, Saturday (11/4/2026).

Adi does not want the market to become a pure arena of speculation, where the public is only tempted by narratives of quick riches without understanding the accompanying risks.