A Literature Review on Fintech Innovations: Examining the Evolution, Impact, and Challenges

Ahmad đź–‚ Junaidi, Rosanna Wulandari, Ervan Susilowati, Niken Safitri, Muhammad Ikhsan

Abstract


Studi ini mengeksplorasi tantangan yang dihadapi oleh industri fintech di Indonesia. Meskipun mengalami pertumbuhan signifikan dan menawarkan peluang bagi inklusi keuangan dan perkembangan ekonomi, beberapa hambatan harus diatasi untuk mengungkapkan potensi penuhnya. Keterbatasan inklusi keuangan menghambat akses ke layanan keuangan, sehingga perusahaan fintech harus membangun kepercayaan dan kesadaran di kalangan populasi yang kurang dilayani. Keamanan siber dan privasi data membutuhkan langkah-langkah keamanan yang kuat. Kerja sama dengan lembaga keuangan tradisional sangat penting untuk meningkatkan infrastruktur pembayaran. Perolehan dan retensi bakat menimbulkan tantangan berkelanjutan dalam lanskap persaingan. Namun, regulasi yang mendukung dan inisiatif pemerintah menciptakan peluang bagi perusahaan fintech untuk berkembang. Dengan mengatasi tantangan ini secara efektif dan menyediakan solusi berorientasi pelanggan, fintech dapat mendorong inklusi keuangan dan berkontribusi pada pertumbuhan ekonomi Indonesia.
Kata Kunci: Fintech, Evolusi, Dampak, Tantangan, Indonesia

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References


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DOI: https://doi.org/10.37531/sejaman.v6i2.5236

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