14 April 2023

Jenius Observes Digital-Savvy Behavior Ahead of Eid al-Fitr 2023 Through Jenius Study

Jakarta, April 14, 2023 – It has been almost a month of Ramadan, the most awaited month to gather with family, friends and relatives.


Spending the holy month by being together with family when eating sahur and iftar, performing religious services, giving alms to people in need, to the tradition of going home to their hometown.


In this moment ahead of Eid al-Fitr, Jenius from Bank BTPN conducted a study entitled Jenius Study: Digital-Savvy Community Behavior Ahead of Eid Al-Fitr 2023, as well as presenting the Small-Steps-in-Ramadan-with-Jenius program with innovative features and special offers that can benefit Jenius friends and their loved ones.


Anita Ekasari, Digital Banking Acquisition, Service & Marketing Head of Bank BTPN, explained that Jenius observed the behavior of digital-savvy communities who have developed excellent financial habits during the pandemic and maintained them till this year’s Ramadan and Eid Al-Fitr, through a Jenius survey entitled Jenius Study: Digital-Savvy Behavior Ahead of Eid al-Fitr 2023.


"We have gone through the moments of Ramadan and Eid al-Fitr in various ways, from celebrating at home because of the pandemic, to the current situation that has gradually returned to normal," said Anita.


Even though the pandemic has gradually become normal, it turns out that good financial habits are still carried on today. Many people have set aside their religious holiday allowance (THR) they received for savings and even investment.


"Therefore, Jenius is presenting the Small Steps in Ramadan with Jenius program to invite digital-savvy communities to walk in the splendor of Ramadan accompanied by Jenius through innovative features and special offers," said Anita.


The Jenius Study: Digital-Savvy Behavior Ahead of Eid al-Fitr 2023, which was held from March-April 2023 and involved 127 respondents aged 18-40 years, revealed that 76% of the respondents received THR during this Eid al-Fitr. Apart from that, it turns out that employees who received THR were not the only ones who allocated a portion of their income to give THR to themselves, but entrepreneurs, freelancers, and YouTubers also did so.


According to the same study, there are three characters in digital-savvy communities who showed similar patterns when they received THR, namely The Saver (41%), who allocated their THR for savings, The Spender (40%), who allocated THR for immediate expenses, and The Investor (19%), who allocated their THR for investment.


About 30% of The Savers allocated their THR for emergency funds, but 20% of them allocated it for holidays. Meanwhile, The Spenders’ allocation for shopping for Eid needs dominates at 67%. Interestingly, 28% of The Spenders allocated their THR funds to pay off debts to optimize their finances. Jenius Study also found that both characters have allocated THR funds for holidays. As for The Investors, 39% of them allotted their THR for emergency funds and make dreams come true.


"The moment of Eid al-Fitr is always anticipated, but we also need to control ourselves. We can start this with budgeting our THR for various needs so that it doesn't run out in an instant," explained Metta Anggriani, Certified Financial Planner and Founder of Daya Uang.


"We should make clear priorities and financial allocations for mandatory needs that arise at the moment of Eid al-Fitr, such as paying zakat, giving THR to parents and other people who work/help us, to the tradition of giving money for families (salam tempel)," added Metta.


If these mandatory needs have been met, according to Metta, then people can allocate THR for other spends, such as buying new clothes, food, and so on.


“However, keep in mind that we should be strict in allocating funds for these needs so as not to overspend. We can allocate our remaining THR for savings or investment for our future needs if such expenses require minimum amount," said Metta.


As a life finance solution, Jenius helps Jenius friends plan and manage their finances more effectively through features and special offers, so they can focus more on meaningful activities. Through the Save It feature, Jenius friends who receive THR can allocate it for savings according to their needs, by picking one of the three types of savings available; Flexi Saver, Dream Saver, and Maxi Saver.


For Jenius friends who are planning on going abroad for vacation during the Eid al-Fitr holidays, the Foreign Currency feature helps users to own and manage up to seven foreign currencies easily directly from one application without additional fees or documents.


During iftar, Jenius friends can also split the bill with no hassle, because Jenius provides a Split Bill feature that allows users to easily split the bill evenly and automatically while tracking billing status.


Now is the right time for Jenius friends to buy Eid al-Fitr gifts for friends and relatives by using simple payment methods, namely Jenius Pay, for transactions in e-commerce, or Jenius QR when transacting at offline stores. To make the Eid al-Fitr moment even more festive, Jenius friends can use the Moneymoji animation feature when sending money, to have the tradition of greetings more meaningful.


Jenius friends can also benefit from special Jenius Visa Credit Card and Debit Card promo programs to buy homecoming transportation tickets or delicious dishes to share during Eid al-Fitr through Jenius Ramadan promos. Jenius friends may check Jenius Ramadan promos on pages/ramadan.


As one of the solutions to managing THR, Jenius also provides a Mutual Fund Investment feature for Jenius friends who want to allocate their THR for investment.


Especially for this Ramadan, Jenius invites digital-savvy to take small steps to share goodness with others by giving alms digitally. Jenius friends can give alms directly from the Jenius application through the Paket Ramadan Bahagia (PRB) program, a collaboration with the National Amil Zakat Agency (BAZNAS).


The annual BAZNAS program aims to share happiness with people in need (mustahiq) during the month of Ramadan and mitigate social impacts, especially due to difficulties in meeting basic food needs. The distribution of Paket Ramadan Bahagia to mustahiq families covers a number of regions in Indonesia and is open until April 21 2023. Check for further information here: happy.




Additional information about Jenius (as of December 2022):


•      Jenius users continue to grow to 4.4 million (20% year-on-year growth)

•      Third-party funds continued to grow to Rp23.7 trillion (52% year-on-year growth)

•      Loan disbursement reached Rp1 trillion (three times as high as previous year)

For further information please contact:


PT Bank BTPN Tbk
Andrie Darusman – Communications & Daya Head
Email: [email protected] or [email protected]


Bank BTPN in brief

PT Bank BTPN Tbk (Bank BTPN) is a foreign exchange bank and is a merger between PT Bank Tabungan Pensiunan Nasional Tbk (BTPN) and PT Bank Sumitomo Mitsui Indonesia (SMBCI) in February 2019. Bank BTPN serves various segments in the banking industry, from retail to corporate customers, including retirees, micro-, small- and medium-sized enterprises (MSME) and productive underprivileged communities; the consuming class segment; and the corporate segment. Bank BTPN provides the services through business units, such as BTPN Sinaya—a business unit for wealth management, BTPN Purna Bakti—a business serving retirees, BTPN Micro Business—a business unit serving microbusinesses, BTPN Business Banking—a business serving small- and medium-sized enterprises, Jenius—a digital banking platform serving the consuming class segment, and the corporate business unit, which serves national, multinational, and Japanese companies. Bank BTPN also has a subsidiary, namely PT Bank BTPN Syariah Tbk, which focuses on serving productive underprivileged customers. Bank BTPN also regularly provides training sessions and information for customers through the Daya Program—a sustainable and measurable empowerment program—to improve customers’ capacity so they can grow and have a chance to live better.