Keuangan Berbasis Digital dan Fintech: Penelitian

Takdirmin; Nurul Mukhlisah; Suratmi Dahlan; St. Nurasiah

doi:10.31004/jerkin.v4i1.1642

Authors

Takdirmin Universitas Muhammadiyah Makassar
Nurul Mukhlisah Universitas Muhammadiyah Makassar
Suratmi Dahlan Universitas Muhammadiyah Makassar
St. Nurasiah Universitas Muhammadiyah Makassar

DOI:

https://doi.org/10.31004/jerkin.v4i1.1642

Keywords:

Fintech, Digital Finance, Financial Technology, Financial Inclusion, Financial Startups

Abstract

The low level of financial inclusion in Indonesia, which is not comparable to the financial literacy of the community, is a major problem in the context of the digital transformation of the financial sector. This study aims to analyze the role of Financial Technology (Fintech) in expanding financial access, identifying its positive and negative impacts on society, and evaluating the effectiveness of the regulatory and educational approaches applied. This study uses a descriptive qualitative method with data collection techniques through literature studies, documentation, and indirect observation of Fintech usage trends. The results of the study show that the most widely used Fintech services are digital wallets (85%), followed by online loans (60%) and digital investment (40%), while insurtech and crowdfunding are still low in use. Although Fintech has increased financial access, weak literacy and supervision raise the risk of misuse and digital insecurity. In conclusion, the development of inclusive, safe, and sustainable Fintech requires synergy between technological innovation, consumer protection, and increasing public financial literacy.

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