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All Journal Jurnal Ilmiah Ekonomi Islam Owner : Riset dan Jurnal Akuntansi Gorontalo Accounting Journal JABE (Journal of Applied Business and Economic) Jurnal Manajemen dan Bisnis Journal of Research in Business, Economics, and Education Enrichment : Journal of Management Community Development Journal: Jurnal Pengabdian Masyarakat International Journal of Economy, Education and Entrepreneurship (IJE3) International Journal of Engagement and Empowerment (IJE2) Jurnal Ekonomi Multidiciplinary Output Research for Actual and International Issue (Morfai Journal) Jurnal Minfo Polgan (JMP) Journal of Innovation Research and Knowledge Maqdis: Jurnal Kajian Ekonomi Islam International Journal of Economics and Management Research West Science Journal Economic and Entrepreneurship Neraca: Jurnal Ekonomi, Manajemen dan Akuntansi Neraca Manajemen, Akuntansi, dan Ekonomi Nomico
Mayndarto, Eko Cahyo
Universitas Tama Jagakarsa
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The Role of Fintech Technology in Improving Financial Inclusion and Financial System Stability Sri Imaningati; Eko Cahyo Mayndarto; Miftakhul Huda; Asri Ady Bakri
Nomico Vol. 1 No. 11 (2024): Nomico-December
Publisher : PT. Anagata Sembagi Education

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62872/0zh4hm58

Abstract

The development of financial technology (fintech) has had a significant impact on improving financial inclusion and the stability of the global financial system. This study aims to explore the role of fintech technology in promoting people's access to financial services and its contribution to financial system stability. Fintech enables the creation of digital platforms that facilitate services such as electronic payments, peer-to-peer lending, and micro-investments, reaching segments previously neglected by the traditional banking sector. On the other hand, fintech innovations also strengthen supervision and transparency in financial transactions, potentially reducing the risk of financial instability. However, these developments also present challenges, including the need for appropriate regulation to address potential risks such as fraud and personal data management. This research uses a qualitative approach with literature analysis and case studies in several countries that have widely implemented fintech. The results show that fintech has great potential in increasing financial inclusion, but its sustainability and contribution to financial system stability depend on effective regulation and collaboration between the public and private sectors. This research lies in the lack of a thorough study of the regulatory challenges faced by developing countries in implementing fintech to increase financial inclusion without posing a risk of instability. A growing phenomenon is the rapid adoption of fintech in developing countries, yet its impact on financial system stability and associated risks are still not fully understood and adequately addressed
Co-Authors Ach. Afin Agus Herwanto Alfiana Ariawan, Ariawan Asri Ady Bakri Basiran Basiran Caroline Caroline Dede Hertina Diana Novita Eva Purnamasari FARHAAN PRIYADI Farhaan Priyadi Fisy Amalia Hanifah Hanifah Helmi Ali Hendra Railis Henny Merizawati Hermiyetti Hermiyetti Ida Harahap Insana, Dwi Rorin Mauludin Irwan Sugiarto JIDAN DWILAKSANA Jidan Dwilaksana KHOIRUL ANAM Khoirul Anam Loso Judijanto Marce Sherly Kase Melenia Carolin Miftakhul Huda Moch Anton Maulana Noryani Noryani Retno Wulansari Rudi Ginting Sabarkita Sembiring Shilvie Nuriana Siti Mariam Sri Hardianty Sri Imaningati Surachman Surachman Tri Endar Susianto Wati Rosmawati Wawan Supriyanto