National Infrastructure

National EVA

Government-led, AI-powered voice platform to improve financial literacy, public communication, and trust.

Providing citizens with a single, trusted point of access for financial information, guidance, and awareness across Indonesia.

1. Executive Summary

A Shared AI Communication Layer.

Millions of Indonesians use financial products without fully understanding them. Regulators and banks operate in silos. National EVA creates a centralized, AI-powered infrastructure connecting citizens, regulators, and banks at scale.

~280M
Total Population
~190M
Adults (18+)
~55M
Unbanked Adults
49%
Financial Literacy
EVA Core
Government
Citizens
Banks

2. Vision

Financial Awareness for Every Citizen.

Every Indonesian is financially aware, protected, and confident—regardless of income, geography, or bank status.

Mission

To establish a national AI voice system that explains financial policy simply, educates safe financial behavior, reduces fraud, and bridges citizens, banks, and regulators.

3. The National Gap

Why National EVA
Is Required.

Risk Without Understanding

Citizens use wallets, loans, and credit without clarity on terms or risks.

Fraud Driven by Awareness Gaps

Losses occur despite regulation, primarily due to user confusion and scams.

Limited Scheme Effectiveness

Government benefits fail to reach intended citizens due to lack of information.

"This is not a technology gap. It is a communication and trust gap."

Inclusion Gap Metrics

Total Adults 190M
Underbanked / Low Literacy 90M
Unbanked Adults 55M
65%
Digital Adoption
+ Growing fast
49%
Financial Literacy
Significant Lag
4. System Limitations

Why Existing Models Don’t Scale

Customer-Only Education

Banks only reach their existing customers, leaving the unbanked behind.

Fragmented Comms

Campaigns, helplines, and messages are inconsistent across institutions.

No Source of Truth

Citizens don’t know whom to trust amidst scams and noise.

No Central Visibility

Government lacks aggregated real-time insight into citizen issues.

Exclusion

No formal engagement channel exists for non-banked citizens.

5. Overview

Public Financial Communication Infrastructure.

National EVA is not a product. It is national infrastructure.

Single Trusted Access

One national financial helpline number.

Inclusive Voice Access

Voice-first, multilingual, no app required.

Regulatory Consistency

Policy-aligned, controlled messaging.

Universal Reach

Rural, urban, and low-connectivity coverage.

Explicit Boundaries:
Non-Advisory Non-Transactional Not a Bank Replacement
6. Operating Model

Three Integrated Modules

01

National Helpline

Inbound

Give citizens a trusted place to ask financial questions.

  • One government number
  • Local language support
  • Explains schemes & safety
Example Query

"How do I open an account without salary proof?"

02

Awareness Campaigns

Outbound

Proactive, nationwide education led by AI.

  • Fraud & scam warnings
01

National Helpline

Inbound

Give citizens a trusted place to ask financial questions.

  • One government number
  • Local language support
  • Explains schemes & safety
Example Query

"How do I open an account without salary proof?"