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.

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

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

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

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

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

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

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

Digital Interaction, Financial Services

Revolutionary of Micro Segments Financial Inclusive

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

Toolkits & Reports

Useful materials and resources that can support your works

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

Micro and Small Enterprises (MSEs) need more than digital tools to thrive online. Based on interviews with 19 stakeholders, this study maps out current onboarding program types, success factors, and key gaps. Commissioned by DFS Lab, funded by the Gates Foundation, and conducted by Somia CX. 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.

Report

Improving Financial Adoption for Micro Segment

What is the better way to help micro-entrepreneurs in rural Indonesia to fully utilise the financial system? We have 8 practical recommendations to help financial institutions address those challenges. Get the report here.

Report

The New Wave: Gen Z Entrepreneurs

We conducted quick research on Gen-Z entrepreneurs and aimed to get inspiration to spark further thoughts and innovative ideas around this space. Download the report here.