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This Author published in this journals
All Journal Asia Pacific Journal of Business Economics and Technology Asia Pacific Journal of Business Economics and Technology
La Ilman
Universitas Islam Syekh-Yusuf, Tangerang – Banten
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Electrical & Electronics Engineering Environmental Science Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Social Sciences

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Fintech and Financial Inclusion: Legal Opportunities and Barriers Hasnah Aziz; La Ilman; M. Umar Kelibia; Ide Raunas; Harmoko
Asia Pacific Journal of Business Economics and Technology Vol. 6 No. 02 (2026): April - Mei
Publisher : Cita Konsultindo Research Center

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.98765/apjbet.v6i02.328

Abstract

This paper examines the role of financial technology (fintech) in advancing financial inclusion while highlighting the legal opportunities and barriers that shape its development. Fintech has emerged as a transformative force, enabling access to financial services for underserved and unbanked populations through digital platforms, mobile banking, and innovative payment systems. The study explores how regulatory frameworks can facilitate innovation by promoting competition, consumer protection, and financial stability. At the same time, it identifies key legal challenges, including regulatory uncertainty, data privacy concerns, cybersecurity risks, and compliance costs that may hinder fintech expansion, particularly in emerging markets. Using a qualitative approach based on secondary data and comparative legal analysis, this paper evaluates different regulatory models and their effectiveness in balancing innovation with risk mitigation. The findings suggest that adaptive and inclusive legal frameworks are essential to maximize fintech’s potential in promoting equitable financial access. The paper concludes by recommending policy strategies that support innovation while ensuring accountability and trust in digital financial ecosystems.
Fintech and Financial Inclusion: Legal Opportunities and Barriers Hasnah Aziz; La Ilman; M. Umar Kelibia; Ide Raunas; Harmoko
Asia Pacific Journal of Business Economics and Technology Vol. 6 No. 02 (2026): April - Mei
Publisher : Cita Konsultindo Research Center

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.98765/apjbet.v6i02.328

Abstract

This paper examines the role of financial technology (fintech) in advancing financial inclusion while highlighting the legal opportunities and barriers that shape its development. Fintech has emerged as a transformative force, enabling access to financial services for underserved and unbanked populations through digital platforms, mobile banking, and innovative payment systems. The study explores how regulatory frameworks can facilitate innovation by promoting competition, consumer protection, and financial stability. At the same time, it identifies key legal challenges, including regulatory uncertainty, data privacy concerns, cybersecurity risks, and compliance costs that may hinder fintech expansion, particularly in emerging markets. Using a qualitative approach based on secondary data and comparative legal analysis, this paper evaluates different regulatory models and their effectiveness in balancing innovation with risk mitigation. The findings suggest that adaptive and inclusive legal frameworks are essential to maximize fintech’s potential in promoting equitable financial access. The paper concludes by recommending policy strategies that support innovation while ensuring accountability and trust in digital financial ecosystems.
Co-Authors Harmoko Hasnah Aziz Ide Raunas M. Umar Kelibia