Financial Literacy and Inclusion Gap Remains Wide, Industry Pushes Public Education
Public access to financial services in Indonesia continues to rise, yet understanding of the financial products and instruments being used remains a challenge. This situation is prompting various parties, including financial services industry players, to strengthen financial education so that the public can make wiser investment decisions.
KVB Futures considers improving financial literacy an urgent need amid the public’s growing interest in investment. With an increasing array of investment instrument choices and increasingly dynamic global financial market movements, the public requires accurate, easy-to-understand, and educational information to grasp both the opportunities and the risks inherent in each investment instrument.
Based on the results of the 2025 National Survey of Financial Literacy and Inclusion (SNLIK) released by the Financial Services Authority (OJK) and Statistics Indonesia (BPS), the national financial literacy index was recorded at 66.46 percent, while the financial inclusion index reached 80.51 percent. These findings indicate that public access to financial services is growing faster than the level of understanding of the products being used.
President Director of KVB Futures, Tonny Fong, said this condition shows there is still ample room for industry players to improve public understanding of various financial and investment products. “Industry players still have a great opportunity to enhance public understanding of how various financial and investment products work, their benefits, and their risks,” Tonny Fong stated on Monday (15/6).
According to him, financial literacy is an important foundation for building public financial well-being. Adequate understanding of financial management and investment can help individuals make more precise decisions, manage risks better, and prepare for long-term financial needs.
This aligns with findings from the Organisation for Economic Co-operation and Development (OECD) through the OECD/INFE 2023 International Survey of Adult Financial Literacy. The study revealed that individuals with adequate financial literacy levels have an average financial well-being score about 10 points higher than those who have not yet reached the minimum standard.
“From that study, we realise that higher literacy levels are associated with better financial resilience, including readiness to face economic shocks and manage long-term finances,” said Tonny.
Beyond improving basic understanding of financial management, education is also deemed important to help the public understand the characteristics of various investment instruments, including the derivatives market which continues to grow in Indonesia. Understanding market mechanisms, potential returns, and the risks accompanying derivative instruments are important aspects so that investors can make decisions based on adequate information.
As part of this commitment, KVB Futures visited a mass media outlet to explore collaboration opportunities in developing educational content and disseminating more relevant market information to the public. Collaboration between industry players and the media is considered to have a strategic role in expanding public access to quality financial insights.
During the meeting, both parties exchanged views on developments in the foreign exchange (forex), futures, and commodity instruments such as gold and oil markets, whose movements are influenced by global economic dynamics and geopolitical conditions. The discussion also highlighted the importance of presenting market information that is not only fast and accurate, but also capable of helping the public understand the context behind every market movement.
“This visit is part of our commitment to continuously promote financial education and improve public literacy regarding the financial market and the derivatives trading industry in Indonesia,” said Tonny.
He added that collaboration with the media plays an important role in presenting market information that is easier for the wider public to understand. “We believe collaboration with trusted media plays an important role in presenting market information that is more relevant, educational, and easy for the public to understand,” he said.
On the same occasion, KVB Futures also introduced a number of initiatives designed to enhance customer experience and engagement. These include a Loyalty Program offering various exclusive benefits for the company’s loyal clients.
Additionally, the company is presenting a World Cup-themed promotional campaign expected to provide a more interactive and competitive trading experience for clients. These various programmes are designed to increase engagement while addressing the increasingly dynamic needs of today’s traders.
Through various educational initiatives, strategic collaborations, and client programme development, KVB Futures hopes to contribute to strengthening the financial literacy of the Indonesian public, particularly regarding the financial market and derivatives industry, so that the public can understand investment opportunities and risks more comprehensively.