The study found that the share of Indonesians with high financial resilience rose to 34 percent from 30 percent a year earlier, while 68 percent said they remain optimistic about achieving their long-term financial goals. However, 77 percent still lack confidence in meeting their family's financial obligations, 23 percent have dipped into savings to cover daily expenses, and only 4 percent feel prepared for further increases in the cost of living.

The report also highlighted the growing role of technology in personal finance, with 68 percent of respondents using generative AI for financial advice and 67 percent expecting to use it even more over the next year. Sun Life Indonesia president director Albertus Wiroyo said financial literacy and long-term planning remain essential despite wider access to digital tools. "Technology has made financial information more accessible than ever before. However, financial literacy and sound financial planning remain the cornerstones of financial security."