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Hadi Ismanto
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Start-up and Financial Technology
Published by Generate Digital Publishing
ISSN : -     EISSN : 3090661X     DOI : 10.70764/gdpu-sft
Core Subject : Economy, Science, Social, Engineering,
Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Engineering Social Sciences
SFT: Start-ups and Financial Technology provide a venue for high-quality manuscripts dealing with economics, finance, management, entrepreneurship and start-up models, and financial technology in the broadest sense. The editorial board encourages manuscripts that are international in scope, and articles that are perceptive, evidence-based, and have policy impact. However, readers can also find papers that investigate issues with global relevance. SFT is published by the Publishing Company "Generate Digital Publishing". SFT is an open-access journal which means that all content is freely available at no cost to the user or the institution. The scope includes empirical and theoretical articles related to all aspects of financial technology, innovation, and entrepreneurship in a spatial context over time, considering the dynamics of entrepreneurship in a global context, and evaluating the effects and implications of innovation and entrepreneurship in a transdisciplinary context considering historical evolution.
Arjuna Subject : Umum - Umum
Articles 2 Documents
 1 
Search results for , issue "Vol. 2 No. 1 (2026)" : 2 Documents clear
Implementing Regtech for Fintech Startup: A Solution to Overregulation in Developing Countries Vivek Sharma
Start-up and Financial Technology Vol. 2 No. 1 (2026)
Publisher : Generate Digital Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70764/gdpu-sft.2026.2(1)-01

Abstract

Objective: This study aims to comprehensively analyze how the implementation of Regulatory Technology (RegTech) can be a strategic solution in overcoming the challenges of overregulation faced by FinTech startups in developing countries, which often hinder innovation and financial inclusion. Research Design & Methods: This study adopts a qualitative approach, with the primary method being an extensive literature review of scientific journal articles, industry reports, and other relevant publications. Furthermore, it utilizes comparative case studies from various developing countries. Findings: The research findings show that overregulation of FinTech startups in developing countries manifests itself in rigid licensing regimes, high capital requirements, overlapping oversight, high compliance costs, and data privacy and cybersecurity issues. RegTech, with its compliance automation, predictive risk management, streamlined regulatory reporting, and enhanced KYC/AML capabilities powered by AI, ML, big data, cloud computing, and blockchain, has been shown to significantly improve operational efficiency, reduce compliance costs, increase accuracy, and offer scalability and adaptability to regulatory changes. Case studies confirm RegTech's positive impact in combating financial crime and driving innovation. Implications: This research confirms that RegTech plays a strategic role in driving FinTech growth, with policy implications including adaptive regulations, cross-sector collaboration, harmonization of standards, and investment in infrastructure and human resource development.Contribution & Value Added: This research presents an in-depth analysis of the role of RegTech in addressing overregulation in developing countries, and offers practical policy recommendations to support a healthy and inclusive FinTech ecosystem.
Determination of Fintech and Fear of Missing Out on Digital Financial Management Behavior Through Digital Financial Literacy Among Generation Z in Jepara Bethania Amanda Stevanie
Start-up and Financial Technology Vol. 2 No. 1 (2026)
Publisher : Generate Digital Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70764/gdpu-sft.2026.2(1)-02

Abstract

Objective: This study aims to analyze the influence of financial technology (fintech) and fear of missing out (FOMO) on digital financial management, with digital financial literacy as a mediating variable, among Generation Z in Jepara Regency.Research Design & Methods: This study employs a quantitative approach using primary data collected via a questionnaire administered to 180 Generation Z respondents in Jepara. The sampling technique utilized non-probability sampling with a purposive method. Data analysis was performed using Partial Least Squares-based Structural Equation Modeling (SEM-PLS) via SmartPLS software, including tests of the measurement model (outer model) and the structural model (inner model), as well as a mediation testFindings: The results of the study indicate that digital financial literacy has a positive and significant effect on digital financial management. Financial technology also has a significant effect on both digital financial literacy and digital financial management. Conversely, FOMO has no significant effect on either variable. The mediation analysis shows that digital financial literacy does not mediate the relationship between FOMO and digital financial management. Still, it does significantly mediate the effect of fintech on digital financial management.Implications: These findings underscore the importance of improving digital financial literacy as a key factor in promoting effective financial management practices, and the need for regulators and fintech providers to strengthen technology-based financial education.Contribution & Value Added: This study provides empirical insights into the mediating role of digital financial literacy and enriches the literature on Generation Z’s financial behavior in the context of fintech in non-metropolitan areas.

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