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All Journal JURNAL PENELITIAN ILMU PENDIDIKAN Yumary: Jurnal Pengabdian kepada Masyarakat Jurnal Bisnis dan Manajemen (JBM) International Journal of Economics, Business, and Entrepreneurship (IJEBE) Reflection Journal Jurnal Pemberdayaan Ekonomi Jurnal Nusantara Mengabdi Jurnal Abdimas Multidisiplin Journal of Social Sciences and Technology for Community Service
Putri, Lidya Ayuni
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Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Engineering Environmental Science Languange, Linguistic, Communication & Media Library & Information Science Public Health Social Sciences Other

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DARI UANG TUNAI KE KLIK: PENDEKATAN MOBILE UNTUK KEUANGAN INKLUSIF Putri, Lidya Ayuni; Iqbal, Muhammad; Audrey, Relifidi; Hendrawaty, Ernie; Banuwa, Laili Fadhilla
Jurnal Bisnis dan Manajemen (JBM) JBM Vol 22 (2026): Issue 1
Publisher : Faculty of Economics and Business University of Lampung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.23960/jbm.v22i1.4740

Abstract

This conceptual study examines the transformative potential of mobile banking applications in promoting financial inclusion. It highlights the transition from cash-based transactions to digital financial services and their role in expanding access to financial products and services, particularly for underserved populations in Indonesia. The study employs a literature review approach by synthesizing previous research on financial inclusion, mobile banking, and the development of digital financial systems in Indonesia. The findings indicate that mobile-based financial services have significant potential to enhance financial inclusion. Innovations such as mobile wallets, peer-to-peer payment systems, and digital lending platforms enable broader access to savings, credit, and financial protection services for unbanked and underbanked communities. However, several challenges remain, including limited digital literacy, technological infrastructure constraints, and regulatory issues that require continuous improvement. This paper contributes conceptually to the growing body of literature on digital financial inclusion and provides a foundation for future empirical research. Furthermore, the findings offer important implications for policymakers, financial institutions, and digital service providers in their efforts to expand financial access and reduce the financial inclusion gap.
Co-Authors AHMAD FAISOL Ambarwati, Dwi Asri Siti Ambya, Ambya Audrey, Relifidi Banuwa, Laili Fadhila Banuwa, Laili Fadhilla Dalimunthe, Nindytia Puspitasari Deviyanti, Rafista Dwi Nugroho Ernie Hendrawaty Fihartini , Yuniarti Hj Zaiton , Siti Nurul 'ain Huzaimah, RA. Fiska Karim, Mirwan Lis Andriani, Lis Mahatma Kufepaksi Marvinita, Risda Muhammad Iqbal Nurbaiti, Syarifah Putra, Joni Russel, Edwin Sabilla, Tiara Prisca Sakinah, Tazkiyah Sri Hasnawati Sudrajat Sudrajat Suningsih, Sri Syafis, Kamadie Sumanda Winia Waziana Wulan, Mutiasari Nur Yuniarti Fihartini