Article Per Year (5 Year)
p-Index From 2021 - 2026
0.408
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This Author published in this journals
All Journal Journal of Banks and Financial Institutions Start-up and Financial Technology
Ashari
BPR Kendali Artha
Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Engineering Social Sciences

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Fintech for Social Impact: Evaluating the Role of Digital Finance in Poverty Alleviation Ashari
Start-up and Financial Technology Vol. 1 No. 1 (2025)
Publisher : Start-up and Financial Technology

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70764/gdpu-sft.2025.1(1)-03

Abstract

Objective: This study aims to evaluate the contribution of fintech in reducing poverty through economic empowerment of low-income communities by utilizing digital technology. Research Design & Methods: This research uses a qualitative method with a systematic literature review approach to analyze fintech's contribution to reducing poverty through economic empowerment of low-income communities, utilizing data from previous literature studies. Findings: Fintech services such as micro-lending, micro-insurance, and mobile savings can empower disadvantaged individuals, but challenges such as digital infrastructure, low financial literacy, and social risks such as debt cycles need to be addressed to achieve optimal social impact. Implications & Recommendations: The importance of investing in digital infrastructure and financial literacy programs to improve the poor's understanding of fintech services and the need for collaboration between the government, fintech providers, and civil society organizations to formulate policies that support financial inclusion and protect consumers. Contribution & Value Added: This research contributes to illustrating how fintech can be an effective tool in reducing poverty, improving welfare, and supporting the achievement of the Sustainable Development Goals (SDGs).
Banking and Fintech in the Digital Financial Ecosystem for the Unbankable Population Ashari; Tri Andi Dewantoko
Journal of Banks and Financial Institutions Vol 1 No 1 (2025)
Publisher : Generate Digital Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70764/gdpu-jbfi.2025.1(1)-02

Abstract

Objective: This research aims to analyze the role of banking and fintech in building an inclusive digital financial ecosystem for the unbankable. The main focus of the research is to identify challenges, opportunities, and optimal strategies in increasing access to financial services for segments of society that have not been reached by conventional banking. Research Design & Methods: This study employs a systematic literature review to synthesize existing research in the financial sector, ensuring methodological rigor and transparency while identifying key issues, research gaps, and areas for further exploration. Findings: The findings reveal that digitalization has significantly changed banking operations, requiring banks to enhance their technological capabilities and regulatory compliance. Fintech plays a crucial role in driving financial sector transformation by expanding access to financial services, especially for the unbanked population. However, cybersecurity risks and data privacy concerns remain key challenges. The success of digital banking transformation depends on technological adaptation, regulatory frameworks, and consumer trust. Implications & Recommendations: To create an inclusive and sustainable digital financial ecosystem, synergy between banks, fintechs, regulators, and communities is needed. Strategies include improving financial literacy, strengthening digital infrastructure, and developing regulations that support innovation without ignoring consumer protection. Contribution & Value Added: This study contributes by highlighting the synergistic role of banking and fintech in accelerating financial inclusion for the unbankable. It also offers strategic insights for stakeholders in designing more inclusive and sustainable digital finance policies and innovations.
Co-Authors Tri Andi Dewantoko