Financial Insights

Postcards from the field

Collection of stories we found in the field that we hope can help
you empathize and create meaningful products for your users

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Arga, A Prestige Seeker 19 y.o, President of Student Association

No.16 of 16 Young Gen

Tina, A Frustrated Planner 21 y.o, University Student

No.15 of 16 Young Gen

Calysta, A Balanced Life Dreamer 22 y.o, Fresh Graduate White Collar

No.14 of 16 Young Gen

Bobby, A Prudent Risk Manager 33 y.o, Logistic & Trucking Business Owner

No.13 of 16 Entrepreneur

Stella, A Cautious Guardian 36 y.o, Clothing Convection Owner

No.12 of 16 Entrepreneur

Ira, A Juggling Mompreneur 52 y.o, Grocery Store Owner

No.11 of 16 Entrepreneur

Our Works in Finance

We have wide experience in experience design and strategy,
with locally-rooted knowledge. We pride ourselves for being a
true design partner for our clients committed to quality and
focused on collaboration.

Financial Futures of Gen Z in 2035: Signals, Trends, and Scenarios

Research, Financial Services, Strategy, Futures Thinking

Inclusion Without Literacy: Uncovering the Hidden Financial Risks Facing Indonesia’s Young Adults

Financial Services, Education, Government

MSEs Onboarding Programs for Online Selling: Insights & Best Practices

Government, Research, Retail & E-commerce, Financial Services, Strategy

Increasing Bank’s CASA Ratio through A Performance Tested Marketing Program

Testing & Evaluation, Research, Financial Services, Strategy, Product & Service Design

Digital Finance for All: Understanding The Digital Onboarding of Unbanked and Underbanked

Tech & Telecom, Government, Research, Digital Interaction, Financial Services, Product & Service Design

Providing Better Digital Loan Options for Micro & Consumer Segments of Indonesia

Digital Interaction, Financial Services

Toolkits & Reports

Useful materials and resources that can support your works

Toolkit

Co-Designing for Impact: A Toolkit for MSE Support Initiatives

Human-Centered Toolkit for Designing MSE Support Programs. Combining research findings with HCD, this toolkit supports program makers in questioning, reflecting, and co-designing more relevant initiatives for SMEs. Written in September 2025. Download the toolkit here

Report

Unlocking E-commerce for MSEs: A Research Summary

A one-page newspaper from Somia CX’s research on programs supporting MSEs to move into online sales. It summarizes key findings and challenges. Conducted for the DFS Lab and funded by the Gates Foundation. Written in September 2025. Download the newspaper here

Report

Presentations: Best Practices for Digitizing Micro and Small Enterprises

A dissemination presentation from Somia CX’s research on programs helping MSEs transition to online sales. It shares key learnings, best practices, challenges, and opportunities with government, NGOs, and associations. Conducted for the DFS Lab and funded by the Gates Foundation. Written in September 2025. Download the presentation here

Report

Inclusion Without Literacy: Hidden Financial Risks For Indonesia’s Young Adults

In collaboration with Women’s World Banking, this study focused on the financial behaviors of urban young adults in Indonesia. Conducted across Bandung, Surabaya, and Kendari, the research uncovers gaps between existing financial literacy programs and the realities young adults face, aiming to drive more effective and inclusive interventions. Download the report here.

Report

Best Practices for MSEs Onboarding Programs

A descriptive report from Somia CX’s research on programs helping MSEs transition to online sales. It covers program design, the digital journey of MSEs, and key challenges and best practices. Conducted for the DFS Lab and funded by the Gates Foundation. Written in 2024. Download the report here

Report

DiFi for All Indonesia Specific Report

DiFi for All explores how unbanked and underbanked populations in Bangladesh, India, Indonesia, and Uganda engage with DFS. It examines the multitude of factors that act as barriers or enablers and investigates how digital financial services can bridge these gaps. Download the report here.