cover
Article Per Year (5 Year)
All
Home Page
OAI Link
Editorial Team
Contact
Reviewer
Google Scholar
Contact Name
Hadi Ismanto
Contact Email
hadifeb@unisnu.ac.id
Phone
+6282226962023
Journal Mail Official
generatesftjournal@gmail.com
Editorial Address
Troso Village, Pecangaan District, Jepara Regency, Central Java, Indonesia, 59462
Location
Kab. jepara,
Jawa tengah
INDONESIA
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 15 Documents
 1   2 
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.
Optimizing Zakat Collection through Fintech: A SWOT Analysis and Digital Strategy in BAZNAS Jepara Yuspita, Rinrin
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)-03

Abstract

Objective: This study aims to analyze the potential for and formulate strategies regarding the collection of zakat funds through the use of financial technology (fintech) at BAZNAS Jepara Regency, particularly in bridging the gap between the significant potential for zakat and the still suboptimal.Research Design & Methods: This research uses a qualitative approach with descriptive methods. Data were obtained through in-depth interviews with internal BAZNAS Jepara Regency officials, supported by documentation and literature review. Data analysis was conducted using a SWOT approach to identify internal factors (strengths and weaknesses) and external factors (opportunities and threats) in the implementation of fintech in zakat collection.Findings: The research results show that fintech has significant potential to increase zakat collection through ease of access, transaction efficiency, and expanded service reach. Its main strengths lie in the ease of digital payments and the substantial zakat potential, while weaknesses include low digital literacy and minimal outreach. Opportunities are driven by rapid technological developments and high internet usage, while threats include digital security risks and regulatory limitations. The resulting strategy includes integrating offline and online approaches, strengthening education and outreach, and developing collaborations with financial institutions and fintech platforms.Implications: These findings imply that optimizing fintech can be a strategic solution in increasing the effectiveness of zakat collection, expanding community participation, and increasing transparency and accountability in managing zakat funds.Contribution & Value Added: This research provides a contribution in the form of a zakat collection strategy model based on technology integration and a socio-educational approach, and produces strategic recommendations based on a SWOT analysis that can be used as a reference for developing more modern, inclusive and sustainable zakat management, especially at the regional level.
Fintech and Sustainable Development: A Systematic Review of Financial Inclusion, Green Finance, and Digital Transformation Isma Addi; Muhammad Inam Makki Khan; Iryna Shkodina
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)-04

Abstract

Objective: This study aims to systematically examine the role of Financial Technology (FinTech) in advancing sustainable development by identifying key research themes, trends, and gaps that link digital financial innovation with the Sustainable Development Goals (SDGs). Research Design & Methods: A qualitative Systematic Literature Review (SLR) was employed using data from Scopus, Web of Science, and Google Scholar data (2017–2025). After a rigorous screening process, total of 259 articles were analyzed bibliometrically, with 48 full-text articles examined qualitatively using VOSviewer and thematic analysis to identify research clusters, trends, and knowledge gaps.Findings: The research findings reveal four major research clusters: (1) green finance and environmental sustainability, (2) economic growth and innovation, (3) core technologies such as artificial intelligence (AI) and blockchain, and (4) financial inclusion and digital adoption. The results indicate a transformational pathway in which technological innovation enhances financial inclusion and economic development, ultimately supporting sustainability outcomes. However, significant gaps remain, particularly in integrating multiple technologies and in directly linking FinTech to green finance and the implementation of the SDGs.Implications: This study highlights the need for an integrated regulatory framework, improved digital infrastructure, and enhanced financial literacy to maximize FinTech’s contribution to sustainable development, especially in developing countries. Contribution & Value Added: This study contributes by providing a comprehensive framework that connects FinTech, sustainability, and the SDGs, while identifying critical research gaps and future directions toward a holistic, policy-driven, sustainable financial ecosystem.
The Effects of Digital Literacy, Investment Knowledge, Herding Behavior, and Loss Aversion Bias on Digital Investment Decisions Alfin Rusda Fatwa
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)-05

Abstract

Objective: The digital transformation in the financial sector (fintech) is changing the way people invest, as technology enables faster and more efficient investing through digital platforms that are accessible at any time. This study aims to analyze the influence of digital literacy, investment knowledge, herding behavior, and loss aversion bias on digital investment decisions among the population in Central Java.Research Design & Methods: This study employs a quantitative approach using primary data collected through a questionnaire administered to 347 respondents selected via non-purposive sampling. Data analysis was conducted using multiple linear regression with the aid of SPSS, accompanied by data quality checks and tests of classical assumptions.Findings: The results of the study indicate that digital literacy, investment knowledge, herding behavior, and loss aversion bias have a positive and significant influence on digital investment decisions, both individually and collectively. These findings suggest that investment decisions are influenced not only by cognitive abilities and knowledge but also by social factors and investors’ psychological biases.Implications: In practical terms, the findings of this study underscore the importance of improving digital literacy and investment education to support the quality of the public’s investment decisions. Furthermore, an understanding of behavioral factors such as herding and loss aversion is necessary so that investors can make more rational and informed decisions.Contribution & Value Added: This study contributes to the development of the literature on behavioral finance and financial technology by integrating cognitive, social, and psychological factors within the context of digital investing at the regional level. It also provides an empirical overview of digital investor behavior in Central Java, serving as a foundation for future research and policy-making.

Page 2 of 2 | Total Record : 15

 1   2 

Filter by Year

2025 2026


Reset
Filter By Issues
All Issue Vol. 2 No. 1 (2026) Vol. 1 No. 2 (2025) Vol. 1 No. 1 (2025)