<![CDATA[The development of financial technology (fintech) in Indonesia plays a strategic role in expanding financial inclusion. This research aims to analyze the optimization of fintech in credit institutions to create financial services that are easy, fast, and efficient. The research method uses a juridical-normative approach with literature study from secondary data sources. The research results show that fintech is able to bridge the financial service gap, especially for communities not served by formal banking systems. Fintech regulation is carried out through various regulations from the Financial Services Authority (OJK), Bank Indonesia, and the Ministry of Communication and Information. Optimization strategies include credit process digitalization using digital platforms with sophisticated algorithms and implementation of peer-to-peer lending schemes. Although fintech offers innovative solutions, significant challenges remain, such as illegal practices, potential data leakage, and low community literacy. The research concludes that fintech optimization requires a comprehensive approach, encompassing strong regulations, data security improvements, and the development of products that meet community needs.]]>
Copyrights © 2026
