PT Bank Negara Indonesia (Persero) Tbk, or BNI, is encouraging customers to manage their spending more intelligently during Ramadan through the Insight feature in the wondr by BNI app. This step follows predictions of increased consumer spending leading up to and during the fasting month and in preparation for Eid al-Fitr.
BNI Corporate Secretary Okki Rushartomo stated that Ramadan is synonymous with increased activity and spending, from daily consumption to breaking the fast together, to Eid al-Fitr shopping. Therefore, BNI is introducing a feature to help customers monitor their cash flow in a more structured manner.
"Ramadan is synonymous with increased activity and spending, from daily needs, breaking the fast together, to preparations for Eid. Through the Insight feature in wondr by BNI, we want to help customers monitor and understand their spending patterns more easily and transparently," said Okki in a written statement.
Through the Insight feature, customers can view transaction summaries automatically categorized by expense type. The system provides monthly recaps, facilitating a more comprehensive evaluation of their personal financial situation.
BNI believes that transparent transaction data can help customers identify spending patterns, adjust budgets, and avoid waste that often occurs during Ramadan.
In addition to the Insight feature, the wondr by BNI app also features a Growth feature, which offers a variety of financial products to support medium- and long-term planning. Available products include Time Deposits (Life Goals), deposits in rupiah and foreign currencies (USD and SGD), mutual funds, and even retail bonds and sukuk.
"Through this approach, wondr by BNI not only functions as a transaction application, but also helps customers build healthier and more planned financial habits," said Okki.
On the transaction side, wondr by BNI offers a variety of services such as QRIS Tap, scheduled transfers, group transfers, e-wallet top-ups, virtual accounts, TapCash express top-ups, and bill and credit card payments all in one application.
BNI hopes that the Insight feature and integrated services in wondr by BNI can provide practical solutions for customers in maintaining financial stability during Ramadan.
"Hopefully, this year's Ramadan will be a momentum for customers to become wiser in managing their finances and achieve their financial goals with wondr by BNI," Okki emphasized.
By strengthening these digital services, BNI aims to improve customer financial literacy and discipline, enabling them to experience Ramadan and welcome Eid with healthier and more controlled financial conditions.