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All Journal FINANCIAL : JURNAL AKUNTANSI Jurnal Ilmiah MEA (Manajemen, Ekonomi, dan Akuntansi) KETIK : Jurnal Informatika
Sinaga, Hizkia Edwar
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Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance

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UNDERSTANDING THE FACTORS OF FINANCIAL INNOVATION IN INDUSTRIAL REVOLUTION 4.0 ERA Sinaga, Hizkia Edwar; Windijarto, Windijarto; Halawa, Forman; Mbate, Clarasiska Anasthasia
Jurnal Ilmiah Manajemen, Ekonomi, & Akuntansi (MEA) Vol 7 No 2 (2023): Edisi Mei - Agustus 2023
Publisher : LPPM STIE Muhammadiah Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31955/mea.v7i2.2986

Abstract

Financial innovation is a way of creating new financial products, services or processes effectively and efficiently. This study aims to examine the factors of financial innovation termed as the antecedents and consequences of implementing financial innovation at both micro and macroeconomic levels and to assist future researchers in determining research topics related to financial innovation. This research applies a Systematic Literature Review (SLR) method using 58 relevant articles from the Scopus database, which were examined and became the study results. This study discovers 14 antecedents and 53 consequences to financial innovation since the development of the Industrial Revolution 4.0 era. Even though there are still limitations within this article, this research does provide recommendations for future studies related to financial innovation in the Society 5.0 era.
UNDERSTANDING THE IMPACTS OF FINANCIAL TECHNOLOGY IN THE SOCIETY 5.0 ERA Mbate, Clarasiska Anasthasia; Windjiarto, Windjiarto; Halawa, Forman; Sinaga, Hizkia Edwar
JURNAL AKUNTANSI FINANCIAL STIE SULTAN AGUNG Vol 9 No 1 (2023)
Publisher : Sekolah Tinggi Ilmu Ekonomi Sultan Agung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37403/financial.v9i1.519

Abstract

Financial Technology (FinTech) aims to achieve a competitive market advantage based on technology (digitalization). This study focuses on figuring out the effects of financial technology in the era of Society 5.0, in which humans can create new values from existing technological transformations to reduce social and economic inequalities in society in the future. This research used a systematic literature review method of 68 articles screened from the Scopus database. Fifty-five impacts of FinTech in the Society 5.0 which can help organizations understand the importance of using fintech are found in this study. The research only focuses on one database. Whereas the aims only focus on the impact of fintech, thus subsequent researchers can continue and develop the same topic using other databases (for example, ScienceDirect) and try to figure out other topics related to fintech (for example, causal factors consequence).Keywords: Financial Technology, Finance, Society 5.0
Fintech Innovation: A Solution to Enhance the Sustainability of Micro, Small, and Medium Enterprises Halawa, Forman; Gulo, Menliman Joyfal; Halawa, Borisman; Sinaga, Hizkia Edwar; Yunanda, Fayeno
KETIK : Jurnal Informatika Vol. 2 No. 03 (2025): Januari
Publisher : Faatuatua Media Karya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70404/ketik.v2i03.147

Abstract

This research examines the role of Financial Technology (fintech) in the sustainability of Micro, Small, and Medium Enterprises (MSMEs). This topic is intriguing because fintech is rapidly evolving and holds significant potential to address the financing access challenges often faced by MSMEs. The research problem formulated is: What are the antecedents and consequences of fintech on the sustainability of MSMEs? This study provides new contributions by exploring the relationship between fintech adoption and MSME performance from the perspective of current literature, which has not been extensively researched. The method employed is a systematic literature review of 22 articles from the Scopus database that meet the inclusion criteria based on the keywords “Financial Technology” and “SMEs.” The results indicate that the antecedents of fintech adoption include financial literacy, perceived usefulness, regulatory support, and digital readiness, while the consequences encompass improved access to financing, operational efficiency, and business growth. Furthermore, it was found that challenges in using fintech include technological risks and a lack of explainability in AI methods. In conclusion, fintech plays a crucial role in supporting the sustainability of MSMEs through enhanced financial inclusion and market access. The implications of this research highlight the need for policies that support fintech adoption and improve financial literacy to strengthen the positive impact on MSMEs. This study proposes a future research agenda related to the development of more inclusive fintech business models and comparative studies between countries.
Co-Authors Fayeno Yunanda Gulo, Menliman Joyfal Halawa, Borisman Halawa, Forman Mbate, Clarasiska Anasthasia Windijarto Windijarto Windjiarto, Windjiarto