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All Journal Integra Business Review
Azmi Deshinta Maharani
Universitas Negeri Yogyakarta

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Fintech, Digital Inequality, and Inclusive Economic Development: A Systematic Literature Review Muhammat Imadudin Septiono; Farhan Alfredo; Azmi Deshinta Maharani; Arsyadi Yulian Prasetya
Integra Business Review Vol. 1 No. 1 (2023): June 2023
Publisher : Integra Academic Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63208/21014-333

Abstract

The rapid expansion of fintech and digital financial systems has transformed contemporary economic activities by increasing financial accessibility and accelerating participation within digital economies. However, the benefits of fintech-driven financial inclusion remain uneven due to persistent digital inequality, socio-economic exclusion, and governance disparities across populations and institutions. The findings indicate that fintech contributes positively to economic participation, entrepreneurship, and financial accessibility through digital financial services and technological innovation. Nevertheless, unequal technological access, limited digital literacy, gender disparities, financial vulnerability, and institutional limitations continue to restrict participation among vulnerable populations. The review further demonstrates that governance quality and institutional readiness significantly influence whether fintech-driven transformation produces inclusive or unequal economic outcomes. The study concludes that inclusive digital economic development requires integrated approaches combining financial innovation, governance adaptation, digital capability development, and social inclusion strategies to reduce exclusion within fintech-driven financial systems.
Co-Authors Arsyadi Yulian Prasetya Farhan Alfredo Muhammat Imadudin Septiono