Antikode’s UX Research Test Report

Understanding General Usability of Jenius & its Users

Attitude Towards Financial Management and
Investment
January 13, 2022

Prepared by :
Aga Febriawan Pamungkas
Research Background

About Jenius 1/2

2016
Jenius is one of the first if not the first digital bank in Jenius is launched
Indonesia (created back in 2016). It is one of the most
popular digital bank app in Indonesia.

In 2017, Jenius had ranked number 1 as financial app in 2016 – 2019

Indonesia. Jenius is rolling out new features
over the years, refer to appendix
for full pic
As of 2021, Jenius has applied Monthly administration fee
of Rp 10.000,00 monthly.
2021
Jenius is introducing feesible
In recent years (during pandemic) there are various digital (monthly fee), refer to appendix
banks being launched. In 2021 alone there are at least 4 for full pic
digital banks launched, these are: Bank jago, Bank Neo,
Seabank and Blu by BCA.
2021
Various corporate launch digital
bank products during pandemic
Research Background

About Jenius 2/2

2016
A lots of these digital banks have no monthly fee while Jenius is launched
offering similar services. Despite of this there are still lots
of active Jenius User and also those who exclusively use
Jenius as their digital bank of choice.
2016 – 2019
However, we do not know the reasoning of this retention in Jenius is rolling out new features
over the years, refer to appendix
using Jenius. And more curiously, why some people for full pic
exclusively use jenius as their go to digital bank despite
other digital banks offering similar services.
2021
Jenius is introducing feesible
(monthly fee), refer to appendix
for full pic

2021
Various corporate launch digital
bank products during pandemic
Research Background

Market Ranking Position 1/2

We determine the Ranking Position of Bank (sorted Rank Launch Date Current Installation
Jenius amongst its competitors. by Rank) Score
Specifically, we compared Jenius to other Bank Neo 3 Mar 23, 3.9 10,000,000+
Digital Bank Application in regards of 2021
ranking.
Seabank 10 May 21, 4.2 1,000,000+
The data is drawn from ranking position 2021
in finance app category as of Jago 15 Apr 13, 2021 4.3 1,000,000+
9 January 2022.
Jenius 26 Aug 9, 2016 4.0 5,000,000+
Data is drawn from Appannie platform,
however, some data such as Active Users TMRW 120 Jan 8, 2020 4.2 1,000,000+
is not available in the free version. Please
note that the list of digital bank in Blu BCA 145 Jun 18, 2021 4.0 500,000+
Indonesia is not exhaustive.
Digibank 250 Nov 22, 4.2 1,000,000+
2016
Research Background

Market Ranking Position 2/2

As can be seen from the table, Jenius is Bank (sorted Rank Launch Date Current Installation
roughly ranked around the middle between by Rank) Score
available digital banks in Indonesia.
Bank Neo 3 Mar 23, 3.9 10,000,000+
Despite of this it’s still on top in regards of 2021
number of Installation. However, keep in mind Seabank 10 May 21, 4.2 1,000,000+
that it was one of the first digital bank and
2021
released back in 2016.
Jago 15 Apr 13, 2021 4.3 1,000,000+
Meanwhile, Bank jago is currently one of the
best rated digital bank on playstore. However, Jenius 26 Aug 9, 2016 4.0 5,000,000+
Bank Neo has a staggering higher number of
installation (roughly 10 times more than jago) TMRW 120 Jan 8, 2020 4.2 1,000,000+
compared to Jago.
Blu BCA 145 Jun 18, 2021 4.0 500,000+
All of these data, however is quite volatile so
please do treat it as general overview and
subject to change Digibank 250 Nov 22, 4.2 1,000,000+
2016
Research Background

Jenius’ Playstore review Positive reviews findings:

In regards of Review, what we find on Playstore is
mainly complain about technical issues with login.
However, drawing from some positive reviews we
can gather some commonly appeared features that
Jenius’ user mainly used and find helpful.
Due to the qualitative nature from this research,
some of these features will be tested during the
usability testing session.
The screenshots which the features drawn from is
available in the appendix of this report
• Most user describes Jenius to have a good UI and UX
• Most user describes Jenius a good E-Wallet app
• Most user use Jenius for Online Purchases purposes
• However, there are some features that barely discussed in
reviews such as but not limited to:
• Deposit (Maxisaver)
• Savings
• Moneytory
Critical reviews findings:
• Most user seems to have trouble with
• slow loading time and
• “heavy” or “unresponsive” usage of the app
• Most user seems to have trouble with login especially for
those who
• Migrate to new phone
• Uninstalling app
Research Background

Competitor’s feature benchmark 1/2

Features Jenius Jago Neo Bank

Widgets Able to customize menu Able to customize shortcuts Static menu only
Card Partition Can add multiple cards Can add multiple cards Not available
Multiple Accounts Able to open one business accounts Able to create multiple pockets Only regular account and Neo Now
Deposit Maxi Saver Unavailable Multiple deposit options length with
different benefits
E-wallets available available No e-wallet function yet but possible
to do manually
Billing/Payments available available available
Financial/cashflow Manager Moneytory unavailable Available but through manual input
Foreign Currency available Not available Not available
Transfer Fee (other banks) Tier based, highest tier has up to free Free 25x per month, Unlimited
25x per month, Rp 5.000,00 Rp 3,000 after
afterwards
Other fees Rp 10.000, monthly fee No monthly fee No monthly fee
Research Background

Competitor’s feature benchmark 2/2

Features done better in competitor Competitor’s Features unavailable in Jenius Features relatively unique to Jenius

• Widgets/shortcuts is simpler in • Pockets/Multiple Accounts • Moneytory allows user to monitor

Jago • High interest rate (bank neo) cashflow in real time with proper
• Multiple accounts only possible categorization
through opening one business • Jeniuspay
account (jago offer multiple • Foreign Currency
pockets)
• Limited investment (deposit)
option (Neo offer various plans
and higher benefits)
• Free transfer quota is limited to
balance tier (Jago does not and
Neo offer unlimited free transfer)
• Jenius applies monthly feesible
(Jago and Neo is free of charge)
• Savings – Bank Neo offer high
interest rate
Research Objective
Our Hypothesis
1. Those who only keeps Jenius as
their only digital bank may have lack
of awareness to other digital bank’s
app benefits
2. Online Purchases related features
such as E-wallet, billing/payment &
debit payment already have a good
usability
3. User that have investment product
(maxisaver) but do not use it in other
platform may not be aware of other
platform’s advantage
4. Some lesser used feature such as
moneytory and maxisaver may be
caused by: (1) substitute product in
other platform (2) better benefit in
other product
5. Login Error is possibly only
experienced by users that change
their phone or uninstall the app
Research objectives – What information The goal – How result of this study
we aim to obtain from the research ? will help Jenius?
1. Find out the usability and pain points of 1. By evaluating Jenius’ most popular
some Jenius most praised features feature it will help maintain or even
1. E-wallet improve the experience of our user
2. Billings in using said features
2. Find out user’s reasoning to stay with 2. The user centric approach of the
jenius despite various other digital bank research will help Jenius figure out
having similar service offers the reasoning behind customer
3. Find out user’s knowledgeability and retention based on user’s
interest towards financial investment and perspective
financial management feature, 3. Helps understand Jenius’ users
specifically: awareness towards Jenius financial
1. Moneytory and investment product
2. Maxisaver 4. Qualitative research helps in
3. Savings discovering additional feedback or
4. Find out the pain points of the currently suggestions that may not be able to
most critized problem at playstore be captured by quantitative
1. Customer service approach alone.
2. Login error
5. Gather Feedback and suggestions from
user
Research Approach

Human Centric Approach – Outside App

• We believe that the key success to understanding and bettering a product is to approach our customer
through human centric approach
• This way we will understand our product through the perspective of our User
• Besides of usability testing these are few aspect that is important to UX research

Psyche Behavior Demographic

• Motivation
• Culture and Values
• Triggers • Gender
• Attitude
• Barriers & Pain Points • Life Stage
• Interest
• Usage and occasion • Socio Economic
• Concerns
• Purchase Journey • Education
• Emotional Benefits
• Functional benefits sought
Research Approach

Human Centric Approach – In App (Usability testing)

Our Main Research question when it comes to usability testing are:

• Awareness
• Comprehension
• Motivation to use
• Pain Points
• Flow
• Usage frequency
Research Approach

Usability Testing Target

These are several features that have been explored
during the research and they are categorized by this
purpose:
Target Usability
User
Features Target Achieved Testing?
Most often used: bay Dem Sek Gan Kar
E-wallet E-wallet 1 ✔ X X X X 1 ✔
Savings (Flexi Saver & Dream Saver) Billing 1 X X X ✔ X 1 ✔
Card Maxi Saver 2 X ✔ X X ✔ 2 ✔
Transfer Moneytory 2 ✔ ✔ ✔ X X 3 ✔
Customer Service
Billing Experience 1 ✔ X X X X 1 X
Card (m-card or virtual
card) 2 X X ✔ X X 1 ✔
Competitor’s better product: Saving 2 ✔ ✔ X ✔ ✔ 4 ✔
Maxisaver (robust deposit offering at NEO) Transfer 2 X ✔ X ✔ X 2 ✔
Moneytory (Simpler Spend Analysis feature in Jago) Valuta Asing 0 X X X ✔ X 1 X

Unexpected discovery:
Valuta using (foreign currency)
Research Approach - timeline

Research Timeline
Screening & Content Analysis Reporting
What do we do? In Depth Interview
Recruitment

• Independent
• Collage all the finding • Convert all finding
Recruitment of IDI
How do we do it? into Content Analysis into Report
Participant based • Conducting IDI
sheet Presentation
on specific criteria session with
recruited participants

• Follow the Discussion

Guide/Interview
Guide
Getting to know the Users
Work
Work
• Most have full time jobs
• Aside from working, some has
tried to try investment with
financial app
• Most investment is limited to
low risk investment such as
mutual funds (reksadana)
Social life
Social life
• Less interaction with friend
physically due to pandemic
• Some still go out with friends
but not as often as theyused to
Family
• In general most user are single
and live at home with parents
Demographic Criteria
• Age Group: Mid 20’s
• Still actively use Jenius
• Exclusively use jenius as digital
bank or have at MAX 1 other
digital bank
• Use investment product (any
kind)
Getting to know the Users

Demographic
GENDER EDUCATION OCCUPATION

100%
Non Degree

Worker
80%
Male Female University
0% degree
60% 40%
Student

*monthly
20%
SES MARITAL STATUS
100

Expense* Expense* Expense* Single %

other
> Rp 4.000k
> Rp 1.250k &
< Rp 4.000k < Rp 1.250k 0%
0%
Married with kids
Upper Middle Low
20% 60% 20% Married with no kids 0%
USABILITY TESTING RESULT

Billing & Payment

Billing & Payment – Flow

USER TASK:
Top Up Mobile Phone Balance

Flow
Jenius Home → Tap Transfer → Tap Tagihan → Tap Pulsa & Data → Input Number → Select package

Most of our user in the usability testing session does not use the billing feature in Jenius.
Billing & Payment – Step 1

Takeaway:
It seems that users would
not immediately know that
the Billing menu is hidden
inside the transfer menu
USER’S ACTION:
Possible improvement:
User started by tapping the Create entirely new menu
“transfer” Menu dedicated for Billing?

Noting that: “I start from

here only because I saw the
billing option when I want to
do a transfer”

Next user navigates to the

billing page by tapping the
“Bayar Tagihan” from the
pop up options
Billing & Payment – Step 2

USER’S ACTION:
paint point(s):
User tapped the Pulsa & Data
options/menu
User almost confuse Pulsa &
Data with tagihan and
telepon due to how similar
and near the icon is

Additionally, the Overall UI in

the billing menu is too
different from the overall UI
of Jenius app, making it
inconsistent
Billing & Payment – Step 3
USER’S ACTION:
user enter their number and
tap the “lanjut” button
paint point(s):
User thought at first that the
corporate logo is a button, the
existence of the logo is
ambiguous.
paint point(s):
the contact list seems to have
a bug where all of the
contacts is doubled
Billing & Payment – Final Step
USER’S ACTION:
user makes their pick and tap
“lanjut”
Overall:
User thinks that the UI for
mobile data purchasing is
quite simple and straight
forward as opposed to
traditional opton to add
balance to user’s phone. In
addition, the pricing seems
to be lower in Jenius app
Suggestion:
Maintain current
pricing/partnership with the
provider
USABILITY TESTING RESULT

Maxisaver
Maxisaver – Flow

USER TASK:
Find an investment feature Maxi
Saver

Flow
Jenius Home → Tap Wealth → Tap Save it → Tap MaxiSaver→ Adjust Plan → Conitnue

At first user is confused because of the new UI but immediately found Maxisaver
Maxisaver

USER’S ACTION:

User tapped the wealth menu

Paint Point(s):

The user finds that the new

UI informative as the old one
Maxisaver

paint point(s):
USER’S ACTION: The save it feature is a bit too
hidden because user have to
scroll down and navigate to
• User tapped the wealth wealth menu first
menu
• Pop up appears
• User taps maxi saver
Maxisaver

USER’S ACTION:

User’s Pain Point:

• User tapped the wealth
menu User does not know what p.a
• Pop up appears in 4% p.a means
• User taps maxi saver
• User gets confused over
4% interest p.a
• User taps the
information button Positive:
User said he appreciates the
active balance label

User’s Pain Point:

Our user is confused why the
interest rate don’t get higher
when commiting to longer
maturity term
Maxisaver

User’s Pain Point:

USER’S ACTION:
The flow reported ended
here because there’s nothing
notable on the next step
User still does not know
what p.a in 4% p.a means
after opening the
information button

Additionally, user suggest a

scheme or maxisaver
demonstration to help
people better understand
OVERALL: how the amxi saver
Some user used to use this
feature but in recent years
some users opted to invest
the money on mutual funds
or stocks instead due to
higher benefits

Main Usage:
To save money that
specifically set aside for pure
saving purposes only
USABILITY TESTING RESULT

Moneytory
Moneytory – Flow

USER TASK:
Find a money management
feature in Jenius

Flow
Jenius Home → Moneytory

No user had any difficulty finding Moneytory feature

Moneytory

USER’S ACTION:

• User immediately find

Moneytory and tap it as
instructed
Moneytory

User’s Pain Point:

User doesn’t like the way the

period selection displayed.
Instead of selecting
tab/boxes. User suggested
USER’S ACTION: that the period should be
listed as dropdown box.

• User simply navigate up User’s Pain Point:

and down the page
At first user though the date
can be changed (it does not).
User prefers to be able to
change the date.

User’s Pain Point:

User thinks a bar chart gives

immediate insight when it
comes to comparing income
and expense
Moneytory
OVERALL:
There seems to be a room of
improvement regarding how
moneytory feature is
presented
Main Usage:
It seems that most of the
user has not used
Moneytory despite it being
presented in the home page
Researcher’s Note:
Perhaps use horizontal
carrousel for insight?
User’s Pain Point:
User thought that the
Highlights should put indicator
to indicate today’s date
User’s Pain Point:
Putting the insight vertically
makes it hard to see
especially when there are
many insights, try to put it
side by side instead.
Some elements of the
insight is inconsistent (for an
example: the outgoing is on
the left side in one entry and
vice versa on the other one.
USABILITY TESTING RESULT

Card
Card – Flow

USER TASK:
Subscribe to Netflix through the
use of Jenius Card

Flow
Netflix → Jenius Home → Tap Card Menu → Tap M-Card → Tap Card again to Number and CVV

Most users immediately find how to get the card detail instantly without an hassle. There seems to be no problem whatsoever.
Card – Step 1 (Jenius Home Page)

USER’S ACTION:

Uuser starst by opening

Netflix and navigate until
being prompted to enter
credit card detail, user then
open Jenius and:

Immediately Navigate to the

next page by tapping “Cards”
Menu

User has no problem or any

input in this page, already
straight forward
Card – Step 2 (Card Center)

USER’S ACTION:
User tap the m-card instead of
the Virtual Card

noted that: “It functions the

same”

User has no problem or any

input in this page
Card – Step 3 (m-Card Page)

USER’S ACTION:
User then tap the card to
reveal the CVV and return to
Netflix page to fill the credit
card form for payment
OVERALL:
All of the user has no input
regarding pain points or
improvement noting that the
process is really simple and
straight forward already
User has no problem or have
any input in this page
MAIN USAGE:
For Online transaction that
mostly international
(requires visa or mastercard)
USABILITY TESTING RESULT

Savings (Flexi Saver)

Savings (Flexi Saver)

USER TASK:
Move your money to Flexi saver

Flow
Jenius Home → Tap Wealth → Tap Save it → Tap Flexi saver→ Create Flexi Saver → Continue

At first user is confused because of the new UI but immediately found Maxisaver
Savings (Flexi Saver)

USER’S ACTION:

User tapped the wealth menu

Savings (Flexi Saver)

USER’S ACTION:

• User tapped the wealth

menu
• Pop up appears
• User Flexi Saver
• All users awre that flexi
saver can be withdrawn
anytime
Savings (Flexi Saver)

OVERALL: User’s Pain Point:

User has no problem Considering Flexi Saver is just

navigating to flexi saver and
use the feature, however
there are some odd design
decision that some user
noticed
for saving as stated by
certain user, they found it to
be odd that there is an
option to upload a picture of
“goal”

Main use:
to save funds that can be
withdrawn anytime while
making small passive income
USABILITY TESTING RESULT

Savings (Dream Saver)

Savings (Dream Saver)

USER TASK:
Make use of Dream Saver

Flow
Jenius Home → Tap Wealth → Tap Save it → Tap Dream Saver → Adjust Target Amount→ Adjust Auto Save → Continue
User has no problem navigating to the Dream Saver, however there are some pain points user experience when using the feature itself. One crucial
pain is that the target amount is not displayed after submitted forcing user to get back to the previous page if they forgot.
Savings (Dream Saver)

USER’S ACTION:

User tapped the wealth menu

Savings (Dream Saver)

USER’S ACTION: User’s input:

• User tapped the wealth

• Typo or incomplete
menu
information
• Pop up appears
• User taps Dream Saver

Researcher’s note:

Dream Saver is used less when

compared to Flexi Saver
Savings (Dream Saver)
USER’S ACTION:
• User filled the form an
then go to the next page
Pain Points:
A user thought that
the information in this
page regarding dream
saver is severely
lacking for someone
who never used it
Savings (Dream Saver)
USER’S ACTION:
User adjust the auto
save feature and tap
next
OVERALL:
The one feature inside
Savings that has crucial
experience problems besides
of benefits/offering
Pain point
• Some users is confused why the
“change date” feature only
appears after locking the
completion date
Pain point
• No target amount
information despite the fact
that there is notification if the
first balance amount exceeds
the target amount
• Really painful for user
because they have to return
to previous page if they don’t
remember
USABILITY TESTING RESULT

Transfer Out
Transfer Out

USER TASK:
Transfer money to other account

Flow
Jenius Home → Tap Send & pay → Tap Contact → Fill the form and tap next → Confirmation page→ Done

All users has no problem navigating to do a transfer

Transfer Out

USER’S ACTION:

• User immediately tap

send & pay
• Some user notice that
the previous UI also use
some sort of plane icon
to send money
Transfer Out

USER’S ACTION:
Pain point
• User says that the add
• User already use transfer recipient feature should be
feature before so user on top
just chosen on of the • User mentioned that send to
contacts group feature is barely used
when compared to add
recipient and therefore add
recipient should be more
visible
Transfer Out

Pain point
• The UI information for schedule
payment is lacking sadi the user
• People might confuse the
purpose of the date especially
the frequency function

Researcher’s Recommendation:

• Jenius might want to add

• Additionally also add toggle
Pain point
• In the previous UI the
moneymoji has previews on
this page, pushing the user to
use the feature.
• Now that the preview is
hidden on the next step, most
use just skip it entirely
“schedule payment” label on
top of the calendar and
frequency
function to activate and
deactivate payment
scheduling so user won’t use
the payment scheduling
feature by mistake
 NON USABILITY TESTING RESULT

FINANCIAL MANAGEMENT ATTITUDE & BEHAVIOR

Financial Management Attitude & Behavior

Aspects Details
Most users allocate portions of money to several categories in general it usually divides into:
-monthly expenses
-savings
Strategy
Money allocated to savings are usually used for low risk investments such as mutual funds

• Users are mostly motivated to manage their money so they can monitor their cashflow based on categories
• Able to manage their spending more wisely
Motivation

• For monitoring financial cashflow user tend to use apps such as: money manager, fast budgets, & money lover
Tools used Jenius and Non • All of these apps requires manual input for budgeting
Jenius & comparison • Some people simply use Jenius’ In and Out to monitor their cashflow
• However it seems none of our users in this research use moneytory regularly
• A user who use fast budgets stated that he require more useful features in money management app such as visual insights
User’s Needs

• Jenius already have financial management feature which is moneytory and in and out, however there are some various limitation
regarding this feature that covered in usability testing (check the limitation in the moneytory slide)
Recommendation for Jenius • Integrate the moneytory and in and out feature so user can customize their experience in monitoring their cashflow
 NON USABILITY TESTING RESULT

INVESTMENT ATTITUDE & BEHAVIOR

Investment Attitude & Behavior
Aspects Details
• Most of our Users are aware of several investment products out there
• However, some of them only opted for low risk investment such as deposit and mutual funds
Awareness
• But some also invest in higher stakes investment such stocks
• Those who does not have multiple investment product usually have no knowledge of other investment products
Motivation
• As a mean of saving money
• Expense controller as well as making a miniscule profit (example: putting entire unused savings at mutual funds so user does not
have access to it
• Mutual funds and deposit does not seems to be perceived as high level investment
Motivation & Barrier

Barrier
Lack of knowledge of other products
Financially unstable
Perceived high risk in investment
• Most users use mutual funds such as bibit and bareksa for low risk investment
Tools used and comparison • A user use stock investment app such as Siminvest and Stockbit
to Jenius • In comparison to jenius other platforms product in regards of deposit and mutual funds has way better benefits than jenius, jenius
interest rate is perceived to be lower than it used to
• User needs safe Investment platform that have a very competitive benefit rate
User’s Needs • User needs Mobile Banking platform that integrated with Investment product such as Bank jago X Bibit for Mutual Funds and
integration with stock investment app
Jenius might want to form partnership with investment platform because:
Recommendation from • In a way it can promote or market Jenius in other platforms
Researcher • The integration will bring both new user from other platform as well as bringing Jenius user who use same said platform back, may
increase active user
 NON USABILITY TESTING RESULT

Other Digital Bank Awareness and Loyalty/Retention

to Jenius
Digital Bank Awareness and Loyalty/Retention
Aspects Details
From our research in general there are few types of user when it comes to being aware of other digital bank:
Awareness of other digital • Aware of other digital bank but not their product
bank • Aware of other digital bank products but not their benefits over Jenius
• Aware of other digital bank products as well as their benefits over Jenius
Those who exclusively use Jenius as their only Digital Bank are interested towards other digital bank because:
• Free of admin charge (feesible)
• Free transfer
• Better Ui experience (Jenius is really slow)
• Higher interest rate in other banks
Interest & Barrier towards
• Integration with investment platform (example: jago x bibit)
other digital Banks
Some factors preventing user to open new account in other digital bank app:
• Lack of awareness of the benefits or features provided
• Too many banks
• Don’t want the hassle to open new account
Why people still jenius?
• Online purchases is very easy to do (m-card, virtual card)
• Free transfer
Jenius General Retention
• Savings
Reasoning and Jenius apps
What people generally dislike about jenius?
General Pain Points
• Slow and unresponsive
• Feesible
• Benefits such as interest rate slowly becoming lower
In general, people who still only use jenius do so because they are comfortable with the features offered by Jenius. However, these
products are also available in lots of Jenius competitor and some of them may be done better (example: higher interest rate for savings
Summary
and deposit, no feesible, no free transfer limit at bank neo). This pose a challenge for jenius to retain or expand their userbase in the
future where it is very likely the field of digital bank market may be more competitive than usual especially during this pandemic.
 NON USABILITY TESTING RESULT

Login & Customer Service Experience

Login & Customer Service Experience
Aspects Details
One User said that logging in with new device require unlinking previous device and this is troublesome for the user because:
Unpleasant Login • Other banks do not require this
experience • The old device is no longer available
• Unlinking can only be done trhough ol device or customer service
User only use Call Centre channel and when he tried to unlink his old device it takes about 20 minutes just to simply unlink an old device
Unpleasant customer so he can log in again
service experience

• Three is no need for unlinking for other bank

• At most it only needs OTP or some sort of authentication without Support Centre intervention
Compared to other Bank
SUMMARY
Summary

Hypothesis Review
Hypothesis
Those who only keeps Jenius as their only
digital bank may have lack of awareness to
other digital bank’s app benefits
Online Purchases related features such as E-
wallet, billing/payment & debit payment
already have a good usability
Comments
Accepted, all of of the user who does not use any other digital bank applications has little to no knowledge of other digital bank’s
advantage over Jenius
However, this findings need to be validated with quantitative research
Accepted,
However, this findings need to be validated with quantitative research

User that have investment product Accepted,

(maxisaver) but do not use it in other
platform may not be aware of other However, this findings need to be validated with quantitative research
platform’s advantage

Some lesser used feature such as Accepted, however our users seems to have better awareness of investment benefits in non digital bank apps (bareksa, bibit, etc)
moneytory and maxisaver may be caused instead of digital bank apps
by: (1) substitute product in other platform
& (2) better reward in other platforms Note: this findings need to be validated with quantitative research

Accepted, amongst all of the users there is only one who had problem with login and it’s due to changing phone and unlinking
Login Error is possibly only experienced by
process
users that change their phone or uninstall
the app
However, this findings need to be validated with quantitative research
Appendix

Positive Critical
Appendix

Jenius Timeline
Appendix

Jenius’ Products