Financial inclusion is a cornerstone of inclusive economic growth. Yet ,despite the rise of fintech, e-wallets, and digital payments, many communities in Indonesia and beyond remain underserved.

In this episode of Y&S Perspectives, Y&S Senior Consultant Bertha Lovita P sits down with Achmad Budiman, Consultant at the Asian Development Bank, to explore the challenges and opportunities shaping financial inclusion today. From the role of policy and innovation to the importance of financial literacy, the conversation unpacks what it will take to build a fairer and more equitable financial ecosystem.

From the role of policy and innovation to the importance of financial literacy, the conversation unpacks what it will take to build a fairer and more equitable financial ecosystem. Tune in to our latest episode of Y&S Podcast to dive deep into the insights shared: https://www.yamada-spire.com/resources/news-events/

#yamadaconsultingandspire #yamadaspire #financialinclusion #indonesia #digitalwallet #financialliteracy

Women today are no longer just consumers, they are key decision-makers shaping household spending, market behaviour, and even policy direction. In Indonesia, over 14% of working women are the primary breadwinners, more than 60% of consumers factor sustainability into purchasing decisions, and 48% are willing to give up brands they see as irresponsible.

In this episode of Y&S in Minutes, our Consultant Grisela Mutiara explores how women are driving conscious consumption, influencing brand accountability, and redefining growth strategies in Indonesia – making it clear why listening to female consumers is no longer optional for brands or policymakers: https://www.yamada-spire.com/resources/news-events/

#yamadaconsultingandspire #yamadaspire #householdspending #women #brands #sustainability #esg #policymakers

The smartphone as we know is evolving faster than ever. AI, 5G–6G, wearables, and digital ecosystems are rewriting the rules.

In this episode, Y&S Head of ICT Division, Albertus Edy Rianto, and Product Strategy-Market Intelligence Manager at VIVO Mobile Indonesia, Okky Surya Dewati, discuss how brands are innovating to stay ahead and what the future of mobile could look like. Will smartphones stay at the center of our digital lives, or will something new take over?

Watch Y&S Podcast to find out more!

#yamadaconsultingandspire #yamadaspire #smartphones #cellulardisruptions #smartphonebrands #wearables #artificialintelligence #digitalecosystems

Running in Indonesia has moved beyond fitness, it's a lifestyle and a growing community. Nearly half (47%) run 1–2 times a week, while 36% run 3–4 times. For 74% the main motivation is health and physical fitness. Many also run as a hobby, joining communities and events that make running social, fun, and empowering.

In this episode of Y&S in Minutes, Nadhilah Farhana, Consultant at YAMADA Consulting & Spire, explores how running is shaping health, hobbies, and communities across the country: https://www.yamada-spire.com/resources/news-events/

#yamadaconsultingandspire #yamadaspire #running #healthylifestyle #indonesia #runner #fitness

Indonesia’s franchise sector is at a tipping point. From street food brands scaling to hundreds of outlets, to a new wave of Chinese franchises reshaping competition, the industry is booming but not without challenges. At the same time, technology, AI, and automation are ushering in Franchise 4.0, transforming how businesses grow and operate.

In the latest episode of Y&S Perspectives, Y&S Senior Consultant Bertha Lovita Dwi Intania Permana sits down with Levita G. Supit, Chairwoman of the Franchise & Licensing Society of Indonesia, to uncover the opportunities and hurdles in one of Indonesia’s fastest-growing industries. Explore the future of franchising: https://www.yamada-spire.com/resources/news-events/

#yamadaconsultingandspire #yamadaspire #franchisebusiness #Indonesia #brandscaling #chinesefranchises #opportunity

From street food to fine dining, Indonesia’s gastronomy is more than just about taste — it is also identity and economic power. In 2023 alone, it fueled US$72B for the creative economy, driven by over 8 million MSMEs.

With food tourism up 30% worldwide, the sector is shaping identity, tourism, and business.

Join Maria Fransiska Oktavia Nugraheni on Y&S in Minutes, Beyond the Plate: Indonesia’s Gastronomy & Investment Potential, as she explores how Indonesian cuisine bridges heritage and innovation.

#yamadaconsultingandspire #yamadaspire #gastronomy #Indonesia #indonesiancuisine #tourism #taste #creativeeconomy #sustainablegrowth

Indonesia’s tea sector is brewing up a paradox. Demand is rising, yet producers are constrained by an unsustainable supply chain and limited collaboration across the value chain. Compared to Turkey, the global leader in tea consumption where per capita intake exceeds 3 kg annually, Indonesia’s annual average consumption volume of 0.46 kg per person is relatively low, signalling untapped potential.

In this episode of Y&S Perspectives, our Senior Consultant Bertha Lovita Dwi Intania Permana joins industry specialist Andrew Thobias Supit to explore how tradition, culture, and young leadership could help reshape Indonesia’s tea industry toward a more sustainable future. Ready for a taste of what’s next? https://www.yamada-spire.com/resources/news-events/

#yamadaconsultingandspire #yamadaspire #teaindustry #businessbrew #consumerhabits #teamarket #sustainablefuture #teatraditions #indonesia

Developed by Bank Indonesia during the Covid pandemic to unify fragmented wallets into one seamless payment system, the Quick Response Code Indonesian Standard, QRIS, now has over 56 million users and 38 million merchants. Recording 16% year-on-year growth in Q1 2025, it's Indonesia’s go-to digital payment du jour.

Already accepted in Thailand, Malaysia, Singapore, QRIS received approval for its plans to expand in Japan. It is also looking to expand to India, China, South Korea, and Saudi Arabia.

In this episode of Y&S in Minutes, our Manager, Putri Intan talks about the journey and achievements of QRIS: https://www.yamada-spire.com/resources/news-events/

#yamadaconsultingandspire #yamadaspire #qris #digitalpayments #digitalwallet #onesolution #contactlesspayments #crossborderpayments #Indonesia