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DM, M. Rustan
Institut Teknologi Dan Bisnis Nobel Indonesia
Religion Agriculture, Biological Sciences & Forestry Humanities Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Health Professions Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Mathematics Medicine & Pharmacology Nursing Public Health Social Sciences Other

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Peran Financial Technology (FinTech) dalam Meningkatkan Inklusi Keuangan di Indonesia: The Role of Financial Technology (FinTech) in Increasing Financial Inclusion in Indonesia Rustan DM
Jurnal Kolaboratif Sains Vol. 8 No. 1: Januari 2025 - Jurnal Kolaboratif Sains (JKS)
Publisher : Universitas Muhammadiyah Palu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56338/jks.v8i1.7071

Abstract

Tujuan dari penelitian ini adalah untuk menganalisis peran Financial Technology (FinTech) dalam meningkatkan inklusi keuangan di Indonesia pada tahun 2023. Penelitian ini menggunakan metode analisis deskriptif kualitatif dengan teknik studi literatur, mengacu pada berbagai sumber akademik, laporan resmi, serta data dari Otoritas Jasa Keuangan (OJK) dan Asosiasi FinTech Indonesia (AFTECH). Hasil penelitian menunjukkan bahwa FinTech memiliki dampak yang signifikan terhadap inklusi keuangan dengan memperluas akses terhadap layanan keuangan, terutama bagi masyarakat yang belum terjangkau oleh sistem perbankan konvensional. Layanan seperti: P2P lending, pembayaran digital, investasi online, dan asuransi digital telah membantu meningkatkan akses keuangan dan mendorong pertumbuhan ekonomi digital. Data menunjukkan bahwa terdapat 101 perusahaan P2P lending berizin OJK dan 366 perusahaan FinTech yang beroperasi di berbagai sektor keuangan di Indonesia. Namun, masih terdapat berbagai tantangan yang perlu diatasi, termasuk rendahnya literasi keuangan, infrastruktur digital yang belum merata, serta keamanan data pengguna. Untuk mengatasi kendala ini, diperlukan regulasi yang ketat, peningkatan edukasi keuangan, serta kolaborasi antara pemerintah dan pelaku industri. Kesimpulan dari penelitian ini menegaskan bahwa FinTech memiliki potensi besar dalam mendukung inklusi keuangan di Indonesia. Dengan regulasi yang tepat dan edukasi yang lebih luas, FinTech dapat menjadi solusi utama dalam membangun ekosistem keuangan yang lebih inklusif dan berkelanjutan.
Digital Transformation of Household Consumption and Tax Awareness: A Positivist Analysis of Information System Adaptation and Fiscal Participation for Nation-Building Sri Prilmayanti Awaluddin; Yuli Rahmini Suci; Emily Nur Saidy; Rustan DM; Andi Yunus
Golden Ratio of Taxation Studies Vol. 6 No. 1 (2026): December - May
Publisher : Manunggal Halim Jaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52970/grts.v6i1.613

Abstract

This study aims to examine how the digital transformation of household consumption contributes to the formation of tax awareness and fiscal participation within the broader context of nation-building. The research is motivated by the increasing integration of digital payment systems, e-commerce platforms, and information systems into everyday household consumption, which fundamentally alters the visibility and traceability of economic activities. Employing a qualitative research approach based on a systematic literature study, this research synthesizes recent peer-reviewed studies, policy reports, and foundational theoretical works in the fields of digital economy, information systems, and public finance. The analysis is conducted through thematic content analysis to identify dominant patterns, conceptual relationships, and emerging insights related to digital consumption behavior, information system adaptation, and tax awareness. The results indicate that digitally mediated household consumption embeds fiscal information into routine economic activities, thereby fostering tax awareness as an experiential and cognitive outcome rather than solely a regulatory effect. Furthermore, adaptive and trustworthy information systems are found to mediate this process by enhancing transparency, reducing complexity, and strengthening voluntary fiscal participation. The key finding of this study is that digital transformation functions as an indirect yet powerful mechanism for reinforcing the social contract between households and the state, contributing to sustainable fiscal capacity and nation-building. This research provides a conceptual foundation for future empirical studies and offers strategic insights for policymakers in designing inclusive and citizen-centered digital fiscal governance.
Co-Authors - Sri Prilmayanti Awaluddin, - Abdullah Abdullah Aleksander Aleksander Andi Yunus Emily Nur Saidy Fitriany Fitriany Gusti, Didiek Handayani I Made Semadi Indrawan Azis Isrun Hamid Mariah Mariah, Mariah Mariah, Mariah Muhammad Idris Muhammad Zul Fahmi Nur Arini Susanti Sylvia . Yuli Rahmini Suci