On Thursday, July 2, 2026, UID Bali Campus held the 27th episode of UID Talk under the theme "Adulting 101: How to Spend Smart and Manage Wisely." This edition was held in collaboration with Easycash, a fintech company that also fully supported the event. Speakers included Jimmy Muhamad Rifai Gani, President Commissioner of Easycash, Mercy Simorangkir, Executive Director of AFTECH Indonesia, and Parjiman, Head of OJK Bali Province. The session drew university students and young people currently navigating the financial challenges that come with early adulthood.

In her presentation, Mercy Simorangkir emphasized that finance is deeply personal and should ideally be instilled from an early age. She noted that the ability to make sound financial decisions will become increasingly important, particularly in preparing the next generation for the vision of Indonesia Emas 2045. She also pointed out that Indonesia has remained in a middle income trap for roughly three decades, and that one way out is by strengthening financial literacy and inclusion, including through fintech, which now spans payments, financing, investment, and insurance services.

Easycash brought a more practical angle by sharing basic principles of financial planning, from allocating 40 percent of income to household needs, a maximum of 30 percent to debt repayment, a minimum of 20 percent to savings and investment, and 10 percent to social contributions. The concept of "sisihkan, bukan sisakan," setting money aside first rather than saving whatever is left, was highlighted as the foundation for building financial discipline early on. Participants were also introduced to common financial traps that often go unnoticed, such as FOMO and YOLO driving impulsive spending, a tendency to favor consumptive experiences over investment, and the habit of delaying primary needs in favor of tertiary ones.

Meanwhile, Parjiman from OJK Bali underlined the importance of staying alert amid today's ease of access to financial services. He shared that Indonesia's National Financial Literacy Index currently stands at 68.83 percent, meaning there is still significant room for further education. He also drew a clear distinction between legal online lending platforms, or Pindar, which are registered with OJK, and illegal online loans, or pinjol, which often carry excessive interest rates, use improper collection practices, and access users' personal data without limits. The public was encouraged to use official channels such as the Indonesia Anti-Scam Centre (IASC) and SIPASTI to report fraud and illegal financial activities.

The discussion also touched on the position of Generation Z as Indonesia's largest population group, numbering around 64 million based on June 2026 population data. This scale makes young people both the primary target and the key determinant of the country's future financial literacy efforts. Common illegal investment schemes targeting this group were also discussed, including the promise of high returns, social media flexing, and the use of public figure endorsements to gain victims' trust.

Participants shared that the material felt highly relevant to their everyday lives, particularly in managing personal finances amid the ease of access to digital financial services today. Through this collaboration with Easycash, AFTECH, and OJK Bali, this edition of UID Talk became a space for learning that equipped participants not only with knowledge, but also with the awareness to make wiser financial decisions early on.