Article Per Year (5 Year)
p-Index From 2021 - 2026
0.408
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This Author published in this journals
All Journal Jurnal Ilmiah Edunomika (JIE)
Qisthoni Permatasari
Universitas Muhammadiyah Surakarta
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education

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Digital Financial Literacy and Fintech Publication Trends Yuliana Subastine; Sisca Dian Rahmawati; Qisthoni Permatasari; Lamidi
JURNAL ILMIAH EDUNOMIKA Vol. 10 No. 2 (2026): EDUNOMIKA
Publisher : ITB AAS Indonesia Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jie.v10i2.19879

Abstract

The rapid digital transformation of the financial sector has intensified the need for strong Digital Financial Literacy (DFL) to ensure secure and inclusive participation in the fintech ecosystem. This study provides a comprehensive bibliometric analysis of global scientific publications on Digital Financial Literacy and financial technology ( fintech) from 2020 to 2025. Using 214 Scopus-indexed journal articles, the study maps publication trends, leading journals, influential authors, dominant research themes, and collaborative networks. The findings reveal a significant surge in publications beginning in 2023, driven by increased fintech adoption and the urgency of addressing digital financial risks. Economics, business, and Social Sciences emerge as the core disciplinary contributors, with China, India, and Indonesia leading global research output. Keyword co-occurrence and thematic mapping show concentrated attention on financial inclusion, technology adoption, digital finance, and emerging topics such as machine learning and cybersecurity. The study concludes that DFL is not merely a technical competency but a critical foundation for strengthening financial resilience, promoting inclusion, and mitigating risks associated with digitalization. Recommendations include integrating mixed-method approaches in future studies, expanding cross-regional collaborations, and prioritizing ethical, contextual, and inclusive digital financial education frameworks.
Effect of Financial Performance on the Effectiveness of Financial Technology (FinTech) Collaboration at Bank Syariah Indonesia with Liquidity as a Moderating Variable Qisthoni Permatasari; Wuryaningsih Dwi Lestari; Mutia Kemala Hidayat
JURNAL ILMIAH EDUNOMIKA Vol. 10 No. 1 (2026): EDUNOMIKA
Publisher : ITB AAS Indonesia Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jie.v10i1.19477

Abstract

This study aims to analyze the effect of financial performance on the effectiveness of financial technology (fintech) collaboration at Bank Syariah Indonesia (BSI), with liquidity as a moderating variable. This research employs a quantitative approach using secondary data from BSI’s quarterly financial reports for the period 2021–2024. Financial performance is measured by Net Operating Margin (NOM) and operational efficiency by the Operational Cost to Operating Income ratio (BOPO), while liquidity is proxied by the Financing to Deposit Ratio (FDR). The effectiveness of fintech collaboration is measured through digital transaction growth and mobile banking usage. The data were analyzed using multiple linear regression and Moderated Regression Analysis (MRA). The results indicate that financial performance and operational efficiency have a significant effect on the effectiveness of fintech collaboration. Liquidity strengthens the relationship between financial performance and fintech collaboration effectiveness. These findings highlight the importance of maintaining sound financial performance and liquidity to optimize fintech collaboration in Islamic banking.
Co-Authors Lamidi Mutia Kemala Hidayat Sisca Dian Rahmawati Wuryaningsih Dwi Lestari Yuliana Subastine