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All Journal Teika Jurnal Ilmu Manajemen Terapan (JIMT)
Ramadan, Zeinan
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Computer Science & IT Control & Systems Engineering Decision Sciences, Operations Research & Management Languange, Linguistic, Communication & Media

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Implementasi Blockchain Pada Bidang Keunagan Digital Ramadan, Zeinan; Supriadi, Fidi; Junaedi, Dani Indra
Jurnal Ilmu Manajemen Terapan Vol. 6 No. 5 (2025): Jurnal Ilmu Manajemen Terapan (Mei - Juni 2025)
Publisher : Dinasti Review Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.38035/jimt.v6i5.5314

Abstract

This research aims to spread the implementation of blockchain technology in the digital financial sector through a literature study approach. The main issue raised is how blockchain is applied in financial services and what challenges and benefits come with it. The method used was a literature review of 18 relevant scientific articles. The analysis results show that blockchain has been implemented in four main categories, namely cryptocurrency, cross-border payments, decentralized finance (DeFi), and smart contracts. This implementation provides significant benefits such as transparency, cost and time efficiencies, and increased security. However, blockchain implementation still faces serious challenges such as regulatory ambiguity, scalability issues, cybersecurity risks, and low adoption by traditional financial institutions. This research suggests the importance of strengthening regulations, technical innovation, and increasing technological literacy to encourage broader and more effective blockchain implementation in digital financial systems.
indonesia SYSTEMATIC LITERATURE REVIEW TENTANG PENERAPAN TEKNOLOGI BLOCKCHAIN PADA BIDANG KEUANGAN Ramadan, Zeinan; Supriadi, Fidi; Indra Junaedi, Dani
TeIKa Vol 15 No 1 (2025): TEIKA - April 2025
Publisher : Fakultas Teknologi Informasi - Universitas Advent Indonesia

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Abstract

Distributed ledger technology, better known as blockchain, has emerged as a promising breakthrough in supporting financial inclusion, especially for populations that are not covered by conventional financial frameworks. This paper aims to investigate the contribution of blockchain in boosting financial inclusion compared to the established financial system through a systematic literature review approach. This paper summarizes literature from leading academic databases to identify key findings on the benefits, constraints, and prospects of blockchain development in the financial sector. The analysis shows that blockchain can expand the accessibility of financial services, reduce transaction costs, and provide greater transparency and protection. However, several challenges arise such as the lack of regulatory framework, knowledge disparity, and issues of scalability and interoperability. The conclusion of this review indicates that blockchain has significant potential to boost financial inclusion, but collaborative efforts from governments, corporations, and technology innovators are needed to overcome these obstacles. This paper provides an in-depth understanding of the opportunities and challenges of blockchain implementation and recommendations for further research.
Co-Authors Dani Indra Junaedi Fidi Supriadi