Article Per Year (5 Year)
p-Index From 2021 - 2026
0.23
P-Index
This Author published in this journals
All Journal Prosperia: Journal of Economic Development, Accounting, and Global Markets
Alya Nabila Adistia
UIN Walisongo Semarang

Published : 1 Documents Claim Missing Document
Claim Missing Document
Check
Articles

Found 1 Documents
Search

 1 
Digital Banking Transformation and Financial Inclusion: A Comparative Regulatory Review Alya Nabila Adistia; Ayu Ambarwati; Fidya Pramesti
Prosperia: Journal of Economic Development, Accounting, and Global Markets Vol. 1 No. 1 (2026): February: Prosperia: Journal of Economic Development, Accounting, and Global Ma
Publisher : CV SCRIPTA INTELEKTUAL MANDIRI

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.65310/fh3jf732

Abstract

Digital banking transformation has emerged as a central driver of financial inclusion, yet its distributive outcomes vary substantially across regulatory environments. This study conducts a structured comparative regulatory review to examine how variations in legal design, supervisory capacity, and governance coherence mediate the relationship between digital banking transformation and financial inclusion. Drawing on a systematic literature review of peer-reviewed scholarship and regulatory documents, the analysis integrates comparative institutional theory with regulatory governance frameworks. Findings reveal that proportional and adaptive regulatory architectures facilitate balanced innovation and prudential oversight, thereby enhancing both access and quality dimensions of inclusion. Higher transformation intensity—characterized by interoperable platforms, mobile ecosystems, and digital-only banking models—correlates with diversified service usage and broader socio-economic impacts, including growth and sustainability alignment. However, digital divides, infrastructural disparities, and governance fragmentation moderate inclusive outcomes. The study advances a conceptual framework positioning regulatory complementarity as the critical mediator linking technological innovation to inclusive development, offering theoretical refinement and policy-relevant insights for sustainable digital financial ecosystems.
Co-Authors Ayu Ambarwati Fidya Pramesti