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All Journal Nomico
Miftakhul Huda
Institut Agama Islam Faqih Asy'ari Kediri
Economics, Econometrics & Finance

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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
Consumption Patterns in the Digital Age: Changing Consumers Behavior Affects the Global Economy Nova Yanti Maleha; St Hafsah Umar; Wiljan Atfentia Kotngoran; Miftakhul Huda
Nomico Vol. 1 No. 12 (2025): Nomico-January
Publisher : PT. Anagata Sembagi Education

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62872/0bhtc013

Abstract

The development of digital technology has brought about significant changes in the consumption patterns of the global community. In the digital era, consumers increasingly rely on e-commerce platforms, social media and app-based services to fulfill their needs. This research aims to explore how changes in consumption patterns in the digital era affect consumer behavior and its impact on the global economy. This research uses a qualitative approach with a case study design and descriptive analysis to analyze the impact of economic digitalization on consumer consumption patterns, as well as the changes that occur in the business sector, especially in developing countries. The research found that digital consumers tend to be more informed, demand personalization, and care more about sustainability issues. E-commerce is a key element that is changing the way consumers interact with the market. In addition, digitalization is driving innovation in global business models, although it poses challenges such as digital inequality and data privacy. The results of this study provide important insights for governments and businesses to design strategies that are inclusive, sustainable and innovative. Policies and technological innovations need to be geared towards supporting changing consumption patterns, mitigating the challenges of digitalization, and capitalizing on global economic opportunities.
Co-Authors Asri Ady Bakri Mayndarto, Eko Cahyo Nova Yanti Maleha Sri Imaningati St Hafsah Umar Wiljan Atfentia Kotngoran