Manage your finances for your goals with 360 Digital Wealth features

27 August 2025

Every August, Indonesians celebrate their independence day with great enthusiasm. In this digital age, the meaning of independence is no longer limited to freedom from physical colonisation. Independence also means freedom from anxiety and uncertainty, including in financial matters. Many people still live in the shadow of financial worries, ranging from uncontrolled spending and mounting installments to an unprepared future.

Financial freedom means having complete control over personal finances, being able to meet needs without debt, and having savings for the future. Achieving financial independence is not impossible, especially with technology that supports smart and practical financial management.

Many are Productive, But Still Confused About Managing Money

Amidst technological developments and an increasingly dynamic lifestyle, modern society has become more productive. Many of us have a steady income, stable jobs, and access to various digital financial instruments. However, the reality is that not everyone is able to manage their finances wisely.

We often feel that our salaries run out quickly, but we don't know what we spent it on and always feel that we don't have enough. Not to mention when faced with urgent needs such as hospital bills or sudden vehicle repairs. In the end, many are forced to go into debt because they don't have emergency funds.

This shows that high productivity does not always go hand in hand with financial health. Without the right understanding and tools, we can get stuck in a cycle of living from paycheck to paycheck, without having the chance to build a solid financial foundation.

What are some common financial problems?

Here are some financial problems that are often experienced, even by those who are economically well-off:

• Uncontrolled Spending

  Online shopping, app subscriptions, eating out, and tempting discounts can cause our spending to balloon without us realising it. Without clear records of our spending and an automatic tracking system, we are unaware of how much money we are wasting and where it is going each month, making it difficult to evaluate our spending habits and leaving us feeling like our spending is out of control.

• No Clear Financial Plan or Goals

  Many people do not have a long-term financial plan, only managing their money without direction, just ‘living for today’ without preparing for the next 5-10 years. They live from month to month without clear goals, such as retirement funds, children's education funds, or savings for holidays. They are confused about what to save for, how much, and until when. As a result, as they age, their needs increase and their financial capabilities decline.

• No Emergency Fund

  Ideally, everyone should have an emergency fund of at least 3-6 times their monthly expenses. However, in reality, many people have no savings at all. When faced with an emergency, they are forced to go into debt or sell assets.

• Many Goals, But No Action

  We often set various goals: wanting to buy a house, wanting to go on holiday, wanting to start a business. But because we never make concrete plans, all these goals remain mere dreams that never come true.

• Too many loans/instalments

  The debt ratio exceeds income, resulting in limited cash flow. This usually occurs due to poor financial planning, a consumptive lifestyle, and a focus solely on current needs without considering the future.

• Financial information is scattered and unstructured

  Many people have more than one financial product, such as savings in several banks, instalments elsewhere, and separate investments. Because assets and debts are scattered in many places, it is difficult to see the total net assets and often we are unaware that the debt ratio is too high because there is no complete picture. This makes it difficult to evaluate one's financial condition and often leads to wrong decisions.

• It looks like there are many assets, but people are unaware that their debts are also large.

  People feel “rich” because they have many assets, but when their net worth is calculated after deducting debts/loans, the result is small or negative.

What is the Solution for Easy Financial Management?

In response to this challenge, Maybank Indonesia provides a solution by introducing the 360 Digital Wealth feature( . Fitur through the M2U ID App (mobile banking). This feature is specifically designed to help customers manage their finances more easily, efficiently, and purposefully. Through a single application, customers can get a comprehensive overview of their financial condition, including expenses, assets, loans, as well as financial plans and goals.

What Features Are Available in 360 Digital Wealth?

360 Digital Wealth has several key features that can help you manage your finances easily. The following are the main features:

1.   Plan Your Finances According to Your Goals

With the Financial Planning feature – 360 Digital Wealth, you can create various financial plans from now on, set fund targets based on your personal needs and dreams, and monitor your progress automatically. Simply choose the goals you want, such as buying a house, preparing funds for your children's education, going on holiday, or retiring. The M2U ID App will help you calculate how much you need to invest each month automatically, complete with simulations and auto-debit to help you stay disciplined.

This feature also provides investment product recommendations based on your risk profile and preferences, as well as offering a variety of savings or monthly investment products that you can choose yourself. By following these simple steps, you can have an automatic and structured financial plan. Once your goals are set, you can monitor all your plans in one place and track your investment progress anytime.

In other words, you can stop procrastinating and start turning your plans into reality digitally, helping you be more disciplined, focused, and confident about your financial future.

Financial Planning Guide - 360 Digital Wealth click here.

2.   Manage Assets and Loans in One View

This feature makes it easy for you to view all your assets and loans in one screen, including savings, deposits, mutual funds, bonds, and loans such as mortgages, credit cards, and other loans. With the My Portfolio feature in 360 Digital Wealth, you can:

• View a real-time summary of your total assets and loans
• All assets and loans at Maybank are automatically accumulated
• Even assets and loans from outside Maybank can be added
• Assets and loans are categorised comprehensively and specifically for easier understanding

Simply log in to the M2U ID App, click on the 360 icon at the top right of the screen, and you can immediately view your assets and loans in one view. You can also click on each asset category, such as Deposits or Mutual Funds, to see the details, or add loans from outside Maybank for more accurate calculations. All information will be automatically updated whenever there is a change, so you no longer need to guess your financial position.

In other words, you can now manage your assets and loans more wisely and in a controlled manner in just one application, without the hassle of opening multiple applications or manual spreadsheets.

My Portfolio Feature Guide – 360 Digital Wealth click here.

3.   Automatic Expense Monitoring

The Expense Monitoring feature – 360 Digital Wealth, can track all your transactions in real time. Every transaction you make will be automatically categorised by the system. Payment transactions using Maybank Debit Cards, Credit Cards, QR Pay, or other purchases made through the M2U ID App will be automatically recorded and grouped into categories such as food and beverages, transportation, entertainment, and others. Through the View Expenses feature in 360 Digital Wealth, you can:

• Get a summary of your total expenses per month, 3 months, and up to 6 months back
• View expenses based on transaction categories
• Change transaction categories if you want to adjust them
• Add transactions manually as needed
• Use filters to search for expenses in detail

With just one click on “View Expenses”, you can immediately see how much you have spent this month and on what. From there, you can monitor monthly spending patterns, identify potential savings or reduce unnecessary expenses, more easily create a budget, and manage your daily finances more wisely. With this automated recording system, you no longer need to manually record expenses – budgeting becomes faster, more practical, and more measurable.

View Expenses Guide – 360 Digital Wealth click here.

Complete information can be found click here

Financial independence is not impossible. With the help of technology such as Maybank's 360 Digital Wealth, you can start a more organised and focused financial journey.

Download M2U ID and experience the ease of managing your finances in the palm of your hand.