blu by BCA Digital: Saving Becomes a Collaborative Activity

Financial habits are evolving, with blu by BCA Digital noting a significant trend toward collaborative saving among its customers. Previously individualistic, the act of saving is now increasingly a collective effort, driven by the desire to plan for shared goals like vacations, weddings, and daily living expenses.

Edwin Tirta, Head of Digital Business at blu by BCA Digital, highlighted the growing popularity of the bluGether feature. This tool enables several users to contribute to a single savings pot without the need for joint accounts, fostering transparency. "In our five years of operation, we've seen saving transform into a collaborative moment," Tirta stated. "Through features like bluGether and bluSaving, we aim to provide a space that is both functional and personal."

The flexibility of these features has led customers to utilize them for a wide array of shared financial objectives. Popular categories include travel funds, with savings pots named "Healing," "Mudik" (homecoming), and "Keliling Dunia" (around the world). Preparations for weddings are also a common goal, with specific pots for "Wedding," "Tunangan" (engagement), "Seserahan" (betrothal gifts), and "Honeymoon." Beyond major life events, collaborative saving extends to managing daily household costs, with pots for "Wifi," "IPL" (building maintenance fees), "Token" (electricity top-up), "BPJS" (health insurance), "Netflix," and "Pajak" (taxes).

Furthermore, some users leverage bluGether for joint business ventures and investments, creating pots for "Saham" (stocks), "Reksadana" (mutual funds), "Gold," "Jastip" (consignment services), and "Profit." Others use it as a community fund or for emergency savings. Tirta believes this trend underscores a growing emphasis on transparency and collaboration in financial management, aligning with the digital lifestyle of modern consumers.

In celebration of its fifth anniversary, blu by BCA Digital is also encouraging customers to prioritize financial health by setting aside emergency funds through its app. "We also invite Sobatblu (our customers) to not forget to set aside safety funds by creating an 'Emergency Fund' pot in blu, so that cash flow remains healthy and secure," Tirta added.