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All Journal Journal of Current Research in Humanities, Social Sciences, and Business Journal of Current Research in Management, Policy, and Social Studies
Nurmita, Septia
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Religion Arts Humanities Decision Sciences, Operations Research & Management Education Energy Engineering Environmental Science Health Professions Languange, Linguistic, Communication & Media Library & Information Science Social Sciences Other

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Digital Financial Literacy in the Fintech Era: A Literature Review Sispurwanto, Yedi; Yelmi, Harmi; Nurmita, Septia; Rahmat, Hayatul Khairul
Journal of Current Research in Humanities, Social Sciences, and Business Vol. 1 No. 2 (2024): December
Publisher : PT Hakhara Akademia Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.71383/cf782b18

Abstract

The rapid expansion of financial technology (fintech) has fundamentally transformed the way individuals’ access, use, and manage financial services. Digital platforms such as mobile banking, peer-to-peer lending, digital wallets, robo-advisors, and cryptocurrencies have increased financial inclusion while simultaneously introducing new risks related to data security, consumer protection, and financial decision-making (Arner et al., 2017; Gomber et al., 2017). In this context, digital financial literacy has emerged as a critical capability for individuals to navigate increasingly complex financial ecosystems. This literature review synthesizes international peer-reviewed studies on digital financial literacy in the fintech era, focusing on conceptual development, key dimensions, determinants, and socio-economic implications. The findings indicate that digital financial literacy extends beyond traditional financial knowledge by incorporating digital skills, technological awareness, and behavioral competencies (Morgan & Trinh, 2019; OECD, 2020). Higher levels of digital financial literacy are consistently associated with improved financial behavior, increased adoption of fintech services, reduced vulnerability to fraud, and enhanced financial well-being (Lusardi & Mitchell, 2014; Xiao & O’Neill, 2016). However, substantial disparities persist across age, income, education, and geographic location. This review concludes that strengthening digital financial literacy requires coordinated policy interventions, inclusive education strategies, and responsible fintech design to ensure that digital finance contributes to sustainable and equitable economic development.
Transformasi Digital dalam Bisnis Internasional: Tinjauan Literatur tentang Dampaknya terhadap Operasional dan Pemasaran Global Siregar, Ewi Sarlina; Rahmat, Hayatul Khairul; Billah, Mhd. Adil Almu'tasim; Nurmita, Septia; Nurbit, Nurbit; Sispurwanto, Yedi; Kurniawan, Gilang; Aritonang, Kristian
Journal of Current Research in Management, Policy, and Social Studies Vol. 2 No. 2 (2025): December
Publisher : Journal of Current Research in Management, Policy, and Social Studies

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Digital transformation in international business has significantly impacted how companies operate and interact with consumers, reshaping the competitive landscape in global markets. The integration of advanced technologies such as Artificial Intelligence (AI), Big Data analytics, the Internet of Things (IoT), and cloud computing has revolutionized internal processes, customer relationships, and market expansion strategies. This study explores the effects of digitalization on operational efficiency, marketing strategies, and customer experiences within multinational corporations. It highlights how digital transformation not only reduces costs and enhances decision-making but also enables companies to create sustainable competitive advantages in a rapidly changing global business environment. Despite the numerous benefits, companies face challenges related to implementation costs, skill gaps, and data security, which must be overcome to fully leverage the opportunities presented by digital technologies.
Co-Authors Aritonang, Kristian Billah, Mhd. Adil Almu'tasim Hayatul Khairul Rahmat Kurniawan, Gilang Nurbit, Nurbit Siregar, Ewi Sarlina Yedi Sispurwanto Yelmi, Harmi