BI Says Indonesia's Financial Literacy Is Still Low, Needs An Impact-Driven Digital Talent

Indonesian Creative Works (KKI) 2025.(doc Bank Indonesia)

JAKARTA - Senior Deputy Governor of Bank Indonesia Destry Damayanti said that in the midst of developing digital financial access so quickly, increasing financial literacy is still a challenge.

He conveyed that based on the results of the 2024 OJK Financial Literacy National Survey (SNLIK), Indonesia's financial literacy was 66.46 percent, while the results of the 2023 OECD survey showed that Indonesia's score was 57, below the global average of 60.3.

According to him, to answer the challenges of increasing digital financial literacy, the role of digital talents who have digital savvy and technology savvy characters is important.

"Not only technology and digital savvy, but this digital talent is also expected to have an impact drive. Therefore, commitment and consistency, innovation, and synergy are the keys to realizing this," he said at the 2025 Indonesian Creative Work (KKI) event, quoted on Sunday, August 10.

Destry stressed that in the future, strengthening financial literacy must be done through relevant and humanist education, using personal, innovative, and dynamic approaches.

"Bank Indonesia will also strengthen national financial literacy and inclusion through policy synergies, educational programs, and the use of digital technology," he explained.

According to him, as an effort to increase financial inclusion, Bank Indonesia prioritizes a collaborative approach to the government, industry, academics, and society.

Destry also invited all parties to join hands in building a financially resilient, digitally inclusive, and prosperous Indonesia as a whole.

As an effort to accelerate the increase in financial literacy, he said that Bank Indonesia published a book Study on Mapping Digital Financial Literacy Competency as a reference in conducting digital financial education activities in Indonesia.

Destry said that as a member of the National Board of Inclusive Finance (DNKI), Bank Indonesia carried out various initiatives to strengthen financial literacy targeting the public from various priority target groups, including women, MSMEs, low-income communities, students, migrant workers, and communities in the 3T area.

Meanwhile, the Minister of Women's Empowerment and Child Protection (PPPA), Arifah Fauzi emphasized that in digital financial transformation, women are present not only as beneficiaries but must be able to become agents of change. Therefore, the development of human resources is a top priority.

"KKI 2025 is a forum that is not only present as a response to technological developments and digital disruption but is also a tangible manifestation of a shared commitment to creating digital financial literacy that is fair, especially for Indonesian women," said Arifah.