International Journal of Informatics, Economics, Management and Science
Vol 4 No 2 (2025): IJIEMS (August 2025)

Financial Literacy and Fintech Adoption in Indonesia: A Review from Campus Surveys and National Case Studies

Adrian, Adrian (Unknown)
Marpaung, Oktavia (Unknown)
Yasin, Verdi (Unknown)
Horas Sarjana, Samuel (Unknown)

Article Info

Publish Date
25 Jul 2025

Abstract

The financial technology (fintech) sector in Indonesia has experienced significant growth with widespread adoption across various demographic groups. However, this development also reveals systemic vulnerabilities, particularly in the context of the financial literacy gap among users. This article explores the relationship between financial literacy and fintech adoption in Indonesia by integrating findings from campus surveys and national financial literacy reports. The study emphasises the importance of structured, integrated, and behaviour-change-focused national financial literacy programs. The article also offers strategic recommendations for integrating financial education into formal curricula, fostering cross-sector collaboration, and promoting ethical design on fintech platforms to safeguard users and promote digital financial inclusion. Keywords: Financial Literacy, Fintech Adoption, Education

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Journal Info
International Journal of Informatics, Economics, Management and Science
Website

Abbrev

ijiems

Publisher

Sekolah Tinggi Manajemen Informatika dan Komputer Jayakarta

Subject

Biochemistry, Genetics & Molecular Biology Chemistry Computer Science & IT Decision Sciences, Operations Research & Management Earth & Planetary Sciences Economics, Econometrics & Finance Energy Library & Information Science Materials Science & Nanotechnology Neuroscience Physics

Description

International Journal of Informatics, Economics, Management and Science (IJIEMS) is a scientific journal that will publish scientific work in the form of articles based on research results or scientific studies from researchers, Who aims to publish his writings, and published articles are guaranteed ...