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All Journal International Journal of Health, Economics, and Social Sciences (IJHESS)
Ernawati
Universitas Sunan Giri Surabaya
Economics, Econometrics & Finance Public Health Social Sciences

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The Role of Financial Technology (Fintech) in Improving Financial Inclusion Ernawati
International Journal of Health, Economics, and Social Sciences (IJHESS) (Special Issue) - International Journal of Health, Economics, and Social Sciences (IJHESS)
Publisher : Universitas Muhammadiyah Palu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56338/ijhess.v7i2.7147

Abstract

Financial Technology (Fintech) plays a crucial role in enhancing financial inclusion in Indonesia by providing easier and more affordable access to financial services, particularly for communities previously marginalized by traditional banking systems. Through digital innovations such as digital payments, peer-to-peer (P2P) lending, and technology-based investments, fintech creates new opportunities for the public to access financial products. However, challenges related to data security and financial literacy remain significant barriers that need to be addressed. This article discusses how fintech contributes to improving financial inclusion in Indonesia, identifies its benefits, and reviews the challenges encountered in its implementation. With proper regulation and increased financial literacy, fintech can accelerate the achievement of more equitable financial inclusion.
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