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All Journal Jurnal Manajemen Terapan dan Keuangan Jurnal Ilmiah Akuntansi dan Humanika Ekonomi Bisnis Jurnal Ilmu Manajemen (JIM) MIX : Jurnal Ilmiah Manajemen Edukasi: Jurnal Pendidikan dan Pengajaran Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Jurnal Ekonomi dan Bisnis SENTRALISASI Jurnal Kepariwisataan Indonesia: Jurnal Penelitian dan Pengembangan Kepariwisataan Indonesia Jurnal Abdimas Berdaya : Jurnal Pembelajaran, Pemberdayaan dan Pengabdian Masyarakat Jurnal Simki Economic Indonesian Journal of Social Science Research Ekonomia Jurnal Manajemen dan Pemasaran Jasa Journal of Business Studies and Management Review Jurnal Manajemen Teknologi dan Sistem Informasi Jurnal Ilmiah Manajemen dan Kewirausahaan Jurnal Pengabdian Masyarakat dan Riset Pendidikan Ekonomia International Journal of Business and Quality Research International Journal of Economics, Business and Innovation Research Jurnal Pengabdian Masyarakat Unama NuCSJo : Nusantara Community Service Journal Ekraf: Jurnal Ekonomi Kreatif dan Inovatif Indonesia
Muhammad Haris Saputra
Fakultas Ekonomi Dan Bisnis, Universitas Jambi
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Journal : Jurnal Simki Economic

 1 
Evolusi Manajemen Keuangan Digital dan Inklusi Keuangan di Indonesia: Kajian Sistematis melalui Analisis Bibliometrik dan Sintesis Tematik Saputra, Muhammad Haris; Permana, Kurnia
Jurnal Simki Economic Vol 9 No 1 (2026): Volume 9 Nomor 1 Tahun 2026
Publisher : Universitas Nusantara PGRI Kediri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29407/jse.v9i1.1415

Abstract

This study aims to analyze the development and challenges of digital finance in supporting financial inclusion in Indonesia through a systematic review of relevant literature. This study used the Systematic Literature Review method with PRISMA guidelines, combined with bibliometric analysis to map publication trends and thematic analysis to identify conceptual patterns within the five main pillars of digital finance. The analysis process was conducted iteratively with validation between researchers to ensure consistency of results. The results indicate that digital finance plays a significant role in expanding access to financial services, increasing transaction efficiency, and national economic growth. However, challenges remain, including infrastructure inequality, data security, and financial literacy gaps in rural areas. This study contributes to the development of financial management science by emphasizing the importance of collaboration between regulators, industry, and the community in creating an inclusive, ethical, and sustainable digital financial ecosystem.
Co-Authors Aegisia Sukmawati Ahmad Nur Budi Utama Ajidirman , Andang Fazri Asep Machpudin Carissa Margaretha Cua, sandi Delya, Alsa Dwi Anggara, Agus Dwi Kurniawan Eddy Suratno Eddy Suratno Effiyaldi Elliyana, Dessy Erwita Dewi Fadillah, Yosi Fahdillah, Yosi Favian, Lucas Febby Nanda Utami Ferdinand, Felix Firmasari, Puja Fitri Chairunnisa Fitriati, Fitriaty Fitriaty Fitriaty, Fitriaty Geneva, Jessica Priscilla Guspianto Guspianto Hartiwi, Yessi Helena Chandra Wati Honey Virginia Icha Saswyta Manurung Irfan Hassandi Ivan Cristhian Ivori Gracia Simanjuntak Jimmy Fernando Kadar, Melani Kanaya Puspa Kirana Lie Kanaya Puspita Lie Kurnia Permana Laras Sabrina, Hanan Larissa, Luna Laila Lie, Kanaya Puspa Kirana Marcel Rivaldo Marcellino Christian Mardiana R Maryati Ningsih Maryati Ningsih Masgo Melisa Meri Yarni Mery Mira Gustiana Pangestu Moh Ihsan Musnaini Musnaini Musnaini Musnaini musnaini musnaini Narvanco, Youngken Nia Rahayu Nia Rahayu Nicholas Raymond Sentosa Permana, Kurnia Puja Firmasari R, Mardiana Rahman, Aldi Aulia Rama Dhonal Rista Aldilla Syafri ROBY SETIAWAN Rofi'i, Imam Salsa, Salsandra Jihan Saputra, Aldo Shofia Amin Shofia Amin Sigit Indrajaya Sry Rosita Tan, Fiusdry Tio, Michael Tona Aurora Lubis Tona Aurora Lubis Usmayanti, Vivi Vania Fellicia Novella Vidyan Lim Vivi Usmayanti Wahya Iffa Lubis Widiatmoko, Agus Wiskandar , Yamir , Septi Novi Yap, Marybiet Yonatan, Terence Adi Yosi Fadillah yosi fahdillah Yossinomita Yulia Dwi Kartika Yuliana Yuliana Yuliusman Zhee Reylia Vauzan