"Dream - With a more adept mastery of technology and information, the younger generation has not fully mastered financial management well. The proof is that the OCBC Financial Fitness Index (FFI) 2024 still finds five bad habits that haunt the younger generation in managing their money. The annual research by OCBC, in collaboration with NielsenIQ, uses observational methods to assess the attitudes and behaviors of the younger generation in managing finances. The survey involved 1,241 young individuals aged 25-34 from five major cities in Indonesia, including Jabodetabek, Surabaya, Medan, Bandung, and Makassar."

The second finding is that 41 percent of the youth generation often borrow money from friends or family for lifestyle needs. This survey also found a bad habit among 40 percent of the youth generation who often pay the minimum bill for credit cards, thus increasing the burden of interest on debt. The fourth bad habit is that 12 percent of the youth generation admit that their spending often exceeds their income. The last finding is that 4 percent of the youth generation are involved in excessive speculation to gain quick profits.

"Thus, there has been a 17 percent increase in awareness of the importance of having an emergency fund compared to the previous year. This condition certainly shows that more and more young generations are starting to engage in financial planning for their future. In addition to research, OCBC also provides a number of resources to the younger generation to help them achieve healthy financial conditions, including expanding financial literacy both online and offline, conducting a comprehensive financial health check, and participating in various financial classes with interesting topics."