OVERVIEW
SCENARIOS
EXPLORE MORE
Financial
of Gen Z
Welcome to our exploration of
Futures Thinking
F
u
t
u
r
e
s
T
h
i
n
k
i
n
g
Futures is using foresight, acknowledging that there are many possible futures rather than just a single forecasted future. Futures allows us to proactively anticipate building resiliency in many possible scenarios; moving away from passively reacting to the future that comes
Developed by
Fri Rasyidi
Lead Consultant
Anindya Fitriyanti
Senior Consultant
Rayi Harjani
Consultant
Our expert sources
*sorted alphabetically
Andika Putraditama
Director of Rimba Collective di Lestari Capital
Anton Rizki
CEO di the Center for Indonesian Policy Studies
ARY Ogam
Marketing and Communication Specialist
Jacob Gatot Sura
Co-Founder di M Bloc Group
Dr. Bakti, SE.,M.Si
Dosen FISIP di Universitas Halu Oleo, Prodi Adm. Bisnis.
Dr. Lili Adi Wibowo, S.Pd., S.Sos., MM.
Dosen di Universitas Pendidikan Indonesia
Tania Adialita
Dosen FEB di Universitas Jenderal Achmad Yani (UNJANI)
Sofian Hadiwijaya
Co-founder di Avataralabs.ai
Wimala Djafar
Director of H+ and Innovation at Hakuhodo International Indonesia
*Use desktop for the best experience
Start
your
exploration
here
In our overview panel, we unpack the key frameworks, our processes, and findings: the two main drivers that we identified will shape the futures backed by the trends and signals that we found from our literature study, observation, and discussion with experts from multiple fields.
Let's Explore Further
Click on any quadrant to explore each scenario. There is no right order on which scenario to access first.
🌪️
Strengthening
😵💫
Decreasing
📕
Increasing
🚀️
Weakening
HORIZONTAL - SOCIOECONOMIC PRECARITY
VERTICAL - CAPACITY OF PERSONAL AGENCY
Don't have your desktop easily accessible right now?
What Do You See Coming?
Our exploration is just the beginning, and the most impactful futures are shaped through conversation. Whether you have a question, a project in mind, or simply want to share a signal of change you've noticed, we'd love to connect.
Follow Us On
Futures.
© 2025 Somia Customer Experience. All rights reserved.
Want to easily grab each panel content? access the mobile versions here ->
Financial
of Gen Z
Authored by
Fri Rasyidi
Lead Consultant
Anindya Fitriyanti
Senior Consultant
Rayi Harjani
Consultant
See details
In collaborations with 9 experts
See details
In collaborations with 9 experts
See details
In collaborations with 9 experts
Explore the
4 possible scenarios
The scenarios were created by considering the two main drivers that may strongly influence Gen Z's financial behavior that emerge from our research.
About the scenarios
🌪️ Strengthening
🚀️️ Weakening
😵💫️ Decreasing
(01)
“Hard Work will Make Us Rich”
(02)
The Luxurious Facade
📕️ Increasing
(03)
Decentralized Empowerement
(04)
Windows to Make Impact
CAPACITY OF PERSONAL AGENCY
SOCIOECONOMIC PRECARITY
The two main drivers
Socioeconomic uncertainty is fundamentally changing Gen Z's financial management paradigm
Personal agency is the ability to act independently and make their own choices to a better future situation
The Process
Futures Thinking, often shortened to simply Futures, shifts us from simply reacting to proactively shaping the future. This approach rejects the notion of a single, predetermined future (Forecast) and instead introduces the concept of "alternative futures" (Foresight)—various scenarios that could materialize based on trends, signals of change, and decisions we can make today.
Today
Various possible futures
What can be done today to anticipate these various future ramifications?
Futures Thinking as a structured approach to imagining the various possible futures.
© 2025 Somia Customer Experience. All rights reserved.
© 2025 Somia Customer Experience. All rights reserved.
© 2025 Somia Customer Experience. All rights reserved.