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All Journal El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam El-Mujtama: Jurnal Pengabdian Masyarakat Journal of Ekonomics, Finance, and Management Studies
Retna Sari
Universitas Pancasila
Religion Agriculture, Biological Sciences & Forestry Civil Engineering, Building, Construction & Architecture Economics, Econometrics & Finance Education Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Social Sciences

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The Integration of Fintech and Artificial Intelligence: Accelerating Accountability and Financial Inclusion in National Financial Governance Darmansyah Darmansyah; Arissetyanto Nugroho; Zulkifli Zulkifli; Winda Wulandari; Retna Sari
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 7 No. 5 (2026): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/elmal.v7i5.11933

Abstract

                This study investigates the role of Financial Technology (Fintech) and Artificial Intelligence (AI) in strengthening financial governance accountability and improving national financial inclusion. While prior studies have largely examined fintech and AI separately, this research develops an integrated model that positions accountability as a key mediating mechanism linking technological integration to broader financial inclusion outcomes. Using a quantitative explanatory design, data were collected through a digital survey involving 300 respondents consisting of public sector stakeholders, fintech actors, and users of digital financial services. The data were analysed using Partial Least Squares Structural Equation Modelling (PLS-SEM). The results reveal that fintech integration positively and significantly affects accountability and financial inclusion. Likewise, AI implementation significantly improves accountability and financial inclusion. Accountability also exerts a strong positive effect on financial inclusion. Mediation analysis shows that accountability partially mediates the effects of fintech and AI on financial inclusion. These findings suggest that the integration of fintech and AI contributes not only to operational efficiency but also to the improvement of governance quality and the expansion of inclusive financial access. The study contributes to the literature by proposing an integrative fintech, AI, accountability, financial inclusion framework in the context of a developing economy and offers evidence-based implications for policymakers and financial regulators.
Enhancing Financial Literacy, Digital Literacy, and Technology-Based Career Readiness among Students of SMK Perintis 1 Depok, West Java Darmansyah Darmansyah; Hotman Fredy; Arissetyanto Nugroho; Irvandi Gustari; Ahmad Ramdani Salim; Winda Wulandari; Retna Sari; Wieldy Menanda
El-Mujtama: Jurnal Pengabdian Masyarakat  Vol. 6 No. 3 (2026): El-Mujtama: Jurnal Pengabdian Masyarakat 
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/elmujtama.v6i3.11976

Abstract

Digital transformation has shifted the competency paradigm required by vocational education graduates. Vocational High School (SMK) students currently face a triple challenge: financial management amidst the rise of fintech, ethical use of technology, and digitalized career competition. This community service activity aims to enhance the understanding and skills of SMK Perintis 1 Depok students through an integrated educational intervention. The method employed is an educational-participatory approach through seminars, practical training, and simulations involving 100 students. The effectiveness evaluation was conducted using a Paired Sample T-Test analysis on pre-test and post-test scores. Results showed significant improvements: financial literacy (58 to 82), digital literacy (61 to 85), and career readiness (55 to 84). A p-value < 0.05 proves the real impact of the intervention. The discussion highlights that the synergy between digital and financial literacy serves as a foundation for student resilience in facing economic uncertainty in the digital economy era.
The Integration of Fintech and Artificial Intelligence: Accelerating Accountability and Financial Inclusion in National Financial Governance Darmansyah Darmansyah; Arissetyanto Nugroho; Zulkifli Zulkifli; Winda Wulandari; Retna Sari
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 7 No. 5 (2026): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/elmal.v7i5.11933

Abstract

                This study investigates the role of Financial Technology (Fintech) and Artificial Intelligence (AI) in strengthening financial governance accountability and improving national financial inclusion. While prior studies have largely examined fintech and AI separately, this research develops an integrated model that positions accountability as a key mediating mechanism linking technological integration to broader financial inclusion outcomes. Using a quantitative explanatory design, data were collected through a digital survey involving 300 respondents consisting of public sector stakeholders, fintech actors, and users of digital financial services. The data were analysed using Partial Least Squares Structural Equation Modelling (PLS-SEM). The results reveal that fintech integration positively and significantly affects accountability and financial inclusion. Likewise, AI implementation significantly improves accountability and financial inclusion. Accountability also exerts a strong positive effect on financial inclusion. Mediation analysis shows that accountability partially mediates the effects of fintech and AI on financial inclusion. These findings suggest that the integration of fintech and AI contributes not only to operational efficiency but also to the improvement of governance quality and the expansion of inclusive financial access. The study contributes to the literature by proposing an integrative fintech, AI, accountability, financial inclusion framework in the context of a developing economy and offers evidence-based implications for policymakers and financial regulators.
Co-Authors Ahmad Ramdani Salim Arissetyanto Nugroho DARMANSYAH . Hotman Fredy IRVANDI GUSTARI Wieldy Menanda Winda Wulandari Zulkifli Zulkifli