Elaborate On How You Are Going To Sell "Saving & Investment" Feature To Users, With Reason

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Elaborate on how you are going to sell “saving & investment” feature to users, with reason.

• Differentiate market into generation segments


• Generation X : tend to use conventional system regards learning curve, adaptability insecurity of updating technologies (especially on fiat money changes to e-money), the
KISS (keep it simple stupid) -mindset are favorable. The knowledge of SME and apps are lack, none provider to educate the simulations in order to enhance real time
experience.
• Generation Y : Have a good trust on financial technologies (especially on improving financial plan), tend to look into business opportunity for passive income, in pursue of
career plan for the next 20 years. The knowledge of SME are provided a lot, have many option of SME real-time experience action but mostly doesn’t put as priority
• Generation Z : Tend to use ego for creating self identity as a statement amongst the community (more update is more better than others), lack of experience in financial
planning and tend to use instant-shortcut way (for example: online loans or fintech), flexibility needs of investment terms (quick draw when needed without due date). Much
more opportunity to creating & developing SME business

• Making Marketing Strategical Funneling for Market Push


• Awareness : Creating brand awareness of helping cross generation to solve the “saving & investment” issues
• Educate about the impactful of saving and investment and how to balancing with money usage of daily-life
• Make “saving & investment-lifestyle” as a trend of youth (with involving partners/influencers)
• Brand as seamless platform which connect with other top existing platforms on market
• “KISS (Keep It Simple Stupid)” In-App UX for cross generations to use
• Consideration : Creating captive market and put “saving & investment” as an answer
• Flexibility for investment (no need fixed time such a yearly deposit, but limited amount can be draw within “terms”)
• Start from reachable price (for example 300k/month for 3 years (10m), auto-debt system)
• All FAQ are provided into video/animation/visualization for a better understanding
• Conversion : Creating apps more unique than existing market
• Integrating with Face ID with “smile face”-recognition for security-related authentication
• UI fun mood-board and visualization that contrast enough to display important information and decluttering the page
• UX in seamless and simplest way
• Purchase : Making a very first new user experience
• Easy contract with e-signature and get the (for example 100k)-voucher for new user registration
Create a user journey cohort for savings and investment feature
• Persona : Dinda, manager of banking institution
• Goal : Making investment to buy apartment

Desire to move from Explore cheap Making Use JAGO Apps Withdraw money Dealing the
flat apartment financial plan for investment from JAGO Apps Apartment

• Thinking about high • Find the cheapest • Looking for apps that • Use JAGO apps to • Use JAGO Apps as • Fulfil the payment of
cost of living but have strategic help managing search about reminder for apartment
• Having income location financial plan information of monthly payment • Move from her flat
stability • Find the financial • Create budgeting for housing financial • Use JAGO Apps for to her new
• A pride to own program of KPR investment spending • Looking for finding information apartment
apartment • Looking for secondary income about payment and
secondary or passive through JAGO Apps the track records
income within the details of
each brand (location,
contact person, etc)

Happy

Sad
In-app activities to increase user
• Offering user benefits (new or existing user)
• Creating engagement with voucher of partners, more saving more voucher
(for example: ”Every saving up to IDR 2 millions will get MAP voucher of IDR 100k”)

• Collaboration with influencers


• Targeting the high-end influencer that representing Jago the ideal youth of smart, stable, and flexible
• E.g. : Maudy Ayunda, William Tanudjaja, Gita Savitri, etc
• TikTok influencer that can create viral but educating in most unique way
• Involving some digital platforms in order to help educating the importance of financial planning

• Headline that pop-up


• In-app promotion that looks like running text, to ensure better curiosity of promotion occur

• Creating separate page only for education related articles


• Articles about importance of investing and saving
• Articles about SME enhancement through apps and system of Bank Jago
In-app & ex-app marketing scheme
• In-app marketing
• Creating tagline for apps
• More saving more blessing
• More invest more harvest
• Publication in banner/pop-up notifications
• News, headline, articles related to customers favor

• Ex-app marketing
• Listing potential partners potential which able to emotional connect with millennial
• Partnership Making (Connecting-Involving-Collaborating)
Partner with any fields within financial-apps with differentiation needs from basic to prestige (connected with user emotions for marketing pull/in longterm)
1. Top Retail : MAP, Uniqlo,
2. Top Gadget : Ibox, Samsung, Mi-Store
3. Top Provider : Indosat, Telkomsel, XL
4. Top Media/Platform : E-media ; Any high engagement/relatable/concerns with digital finance field
E-commerce ; Shopee, Tokopedia, Akulaku
5. Top Voucher-Boomer : MAP, Sodexo, etc

Collab with Media Social : Tiktok (priority potential because Bank Jago relate one of template content in Tiktok)
Collab with Influencers which align in the same vision/campaign with Bank Jago

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