#JustSaveIt – Encouraging Usage of Agent-Based Bank Accounts to Improve Financial Inclusion


We partnered with the Behavioural Insights Team and the Secretariat of the Indonesian National Council for Financial Inclusion to increase financial inclusion in Indonesia. For true financial inclusion to occur, financial services such as bank accounts need to be useful and accessible to people who own them. While 56% of Indonesian adults owned a bank account in 2018, 30% of them had not used it in the previous year. Our project aimed to encourage bank account usage – more specifically regular deposits made into agent-based bank accounts – through a series of WhatsApp messages sent to bank agents.

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