A TRANSACTION notification popped up on Ahmad Akbar’s smartphone screen on the evening of Thursday, February 27, 2025. At that moment, he had just deposited funds via the Pegadaian Digital app, a platform operated by state-owned pawnbroker Pegadaian. The 31-year-old man had opened a digital gold savings account just a day after President Prabowo Subianto inaugurated the gold bank jointly managed by Pegadaian and Bank Syariah Indonesia