OJK Strengthens Digital Financial Literacy Among Students

RRI.CO.ID, Jakarta – The Financial Services Authority (OJK) is intensifying efforts to promote digital financial literacy among young people, aiming to strengthen their understanding of the risks of investing in digital assets and cryptocurrencies.

The initiative was highlighted during a Digital Financial Literacy (DFL) event at Pattimura University in Ambon, Maluku, on Monday, May 4, 2026. The program is part of OJK’s broader educational campaign to build public awareness of the digital financial ecosystem.

Executive Director of Financial Sector Technology Innovation Supervision at OJK, Adi Budiarso, stressed that the rapid growth of cryptocurrency must be balanced with adequate knowledge. “Many people remain vulnerable to illegal investments, digital scams, or asset losses due to low awareness of digital security,” he said.

Adi noted that cryptocurrency investments carry high-risk, high-return characteristics with extreme volatility. “The public must fully understand these risks before making investment decisions,” he added.

He explained that the digital financial sector faces multiple challenges, including sharp price fluctuations, digital security concerns, potential fraud, and investor psychology.

OJK data shows that as of February 2026, crypto accounts in Indonesia had surpassed 21 million, with transaction values in 2025 reaching IDR 482.23 trillion (around USD 27.64 billion).

Adi also encouraged students to act as agents of digital financial literacy, saying this role is vital to improving public understanding and reducing investment losses.

Pattimura University Rector Fredy Leiwakabessy underscored the importance of education amid the rapid expansion of the digital financial sector. “Education is essential so that young people are not only able to adapt but also develop a strong understanding,” he said.

Through this initiative, OJK hopes digital financial literacy will spread more widely, particularly in Eastern Indonesia. Continuous education is seen as key to building a financially literate, investment-savvy, and secure society. (Gusti Panji/Lasti Martina)