Salary Often 'Leaks Subtly'? A Simple Method That's Trending Among Young People
JAKARTA, KOMPAS.com – Managing money is often not about the size of one’s income, but about how you allocate it from the outset. This was felt by Maya (36), a private-sector employee in South Jakarta, who says she used to struggle to maintain savings because all her money was pooled in a single account.
“I intended to save, but when I saw the balance was still high it got spent again. Sometimes for snacks, sometimes impulsively bought concert tickets or dining out,” she told Kompas.com on Tuesday, 12 May 2026.
That condition made Maya feel her spending was often not controlled. She only began to find a more practical method after trying the Kantong feature in the Jago app in 2022.
Through that feature, Maya started separating money according to certain needs, starting from daily expenses, holiday savings, to emergency funds.
“It’s much easier to manage money because each need has its own position. So, you know your spending limits better,” Maya said.
Director of Group Research at the Deposit Insurance Corporation (LPS) Seto Wardono said the share of digital bank savings has risen in recent years. The share of digital bank savings rose from 0.8 per cent in March 2022 to 1.8 per cent in March 2026.
Moreover, the number of digital bank accounts has risen significantly. In March 2022, digital bank accounts accounted for only about 4 per cent of total bank accounts. But by March 2026, their share reached 22 per cent.
“Some digital banks are also within digital ecosystems such as marketplaces, transportation, e-wallets, which increases engagement of savers with banks,” Seto explained as reported by Kompas.com, Tuesday, 12 May 2026.
Head of Retail Banking Brand and Marketing Bank Jago Michael Hartawan said that the Kantong feature in the Jago app was developed from the Indonesian public’s habit of separating money according to needs for a long time.
According to Michael, the concept is similar to the habit of saving money in envelopes or different containers, but now it is made in digital form to be more practical.
“We believe that every money has a place and purpose, so we developed the Kantong (pocket) feature in the Jago App that can be personalised up to 60 Kantong,” Michael told Kompas.com, on Tuesday, 5 May 2026.
He said the public now places more emphasis on ease, efficiency, and a seamless financial experience. If in the past people needed to open several different accounts to separate needs, now this can be done in one app.
“With Kantong, customers can give meaning to every rupiah, whether for daily needs, savings, or long-term goals. Without having to open many accounts, they can still feel financial discipline and tighter control,” Michael said.
This article is part of Lestari KG Media, an initiative to accelerate the Sustainable Development Goals. Read more.