Categories include budgeting, saving plans, retirement planning, investments, as well as home ownership. The results are then translated into a score on the Citi Financial Quotient (FinQ).

In 2013, Indonesia rose three points to 60.7 from the previous year (57.7 points) out of a possible 100 points. However, 64 percent of Indonesian respondents admitted not to be able to comply with the monthly budget that they had planned at the start of the month. This high score thus indicates a lack of discipline among Indonesians to take care of their financial matters.

The Citi FinQ 2013 also showed a shifting trend in wealth management, including investments, in Indonesian society. Around 78 percent of respondents said that they are keen to use wealth management services, although only 11 percent of the total respondents are already using these services at the moment.

According to the Boston Consulting Group, each year around 8 to 9 million Indonesian people enter the country's rapidly expanding middle class (emerging affluent) and the rich class (affluent) amid robust economic growth in recent years. "Regular surveys are also carried out as a form of Citi's commitment to monitor and anticipate the behavior of the market to deliver innovative products and services that would suit the banking needs of the people of Indonesia," said Ivan Jaya, Retail Marketing Head at Citibank Indonesia. "Seeing these conditions, in 2014, Citibank Indonesia will strengthen its Citigold services with a focus on three main pillars, namely wealth advisory, global banking, and rewards and privileges, which are designed to answer the needs of customers in the affluent category."

The overall score of Indonesia in the FinQ Index increased eight points since the survey was first conducted in October 2007 (52.7 points).