KISA INSTITUE : Journal of Economics, Accounting, Business, Management, Engineering and Society
Vol. 1 No. 11 (2024): KISA INSTITUE : October 2024

FINANCIAL INCLUSION THROUGH FINTECH PLATFORMS: OPPORTUNITIES AND CHALLENGES IN INDONESIA

Ariyanti, Maya (Unknown)
Supriatna, Ucu (Unknown)
Matriadi, Faisal (Unknown)

Article Info

Publish Date
01 Oct 2024

Abstract

Background: Indonesia faces persistent financial exclusion despite economic growth, with over 100 million adults lacking formal financial access. Aims: This research investigates fintech contributions to financial inclusion in Indonesia. Method: Mixed-methods with survey (n=500) and interviews across urban/rural Indonesia. Results: Digital payments show 78% adoption; digital lending reaches 42% of previously unbanked. Key barriers include digital literacy (65%), internet access (52%), and trust (48%). Government support correlates with 2.3x higher adoption. Contribution: Provides evidence for fintech-driven inclusion in emerging markets, informing policy and platform development.

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Journal Info
KISA INSTITUE : Journal of Economics, Accounting, Business, Management, Engineering and Society
Website

Abbrev

kisainstitute

Publisher

PT. Kreatif Indonesia Satu

Subject

Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Social Sciences

Description

KISA INSTITUE : Journal of Economics, Accounting, Business, Management, Engineering and Society is published by Kisa Institute plays a key role in advancing multidisciplinary knowledge. With monthly outputs, the journal serves as a vibrant platform to present and develop our understanding of various ...