Jakarta, 2 February 2018 – PT Bank Tabungan Pensiunan Nasional Tbk (BTPN) and news portal Kompas.com held a talk show titled “Jenius: A Smart Way to Manage Your Financial”. The talk show featured BTPN Digital Banking Value Proposition and Product Head Irwan Sutjipto Tisnabudi and financial planner and educator Prita Ghozie as speakers.
The talk show discussed on the digital innovation roles in financial management. Irwan said that BTPN has realized people’s needs and wants have become more varied, starting from food, clothing, travelling to long-term goal like children’s education and housing. All the needs and wants, of course, will have financial consequences and therefore people will need a proper financial management to reach their goals.
Therefore, BTPN presents Jenius, a revolution in banking with digitalization process since the beginning. With Jenius, users can open their accounts, set their account limit, block and unblock their cards, as well as self-manage their financial by using Android and iOS smartphones.
“Jenius is present with various unique features to manage the life finance of its users, such as In & Out, Card Center, and Save It,” Irwan said.
With In & Out, Jenius users can see, trace and download all their transaction histories, even decide the filter based on type, category, time frame and the amount of transactions, so that the search can be more specific. Card Center enables every user to have up to four physical debit cards and one e-card with each limit can be decided by the users himself.
“The Card Center feature provides users a control over their debit cards. Users can block and unblock the card, temporarily or permanently, using their smartphone. This feature is designed to enable the users to manage different spending by allocating the spending in different debit cards,” Irwan explained.
Jenius also has a saving feature which can directly separate funds for saving from funds for daily needs. Save It enables the users to allocate the saving funds and the daily need funds. Save It has three features, namely Flexi Saver, Dream Saver, and Maxi Saver.
For unexpected or emergency situation, a customer can prepare the fund through Flexi Saver, a saving equals to tem deposits which can be withdrawn or saved according to the needs without a certain time frame. Dream Saver can help customers to realize their dreams to achieve the targeted fund, as well as counting the saving period and the number of fund to be saved every day/week/month. Meanwhile, Maxi Saver can be used for maximum saving with optimum interest with time frame between 1 to 12 months.
At the same event, financial planner Prita Ghozie revealed that to make sure all needs were fulfilled according to customers’ income, they can split their income into different spending components. The ideal monthly income for a family should be divided into these items: zakat (alms) for 5% of income, monthly routine spending 30%, saving and investment 15%, lending installment maximum of 30%, emergency fund 10% and lifestlyle 10%.
Having a high class lifestyle is, of course, everyone’s rights, especially for those who have worked hard. However, saving and investing parts of monthly income will be useful for the future. “One should invest while they were young, so they can enjoy their lives in style in the future,” Prita said.