Fintech
Pengaruh teknologi finansial (fintech) terhadap sistem perbankan pada tahun 2024
Abstract
This research examines the impact of financial technology (Fintech) on the banking system in 2024. Fintech has grown rapidly in recent years, bringing innovations that are changing the way financial services are provided and accessed by consumers. This study highlights the impact of Fintech on operational efficiency, business models and risks faced by traditional banks. Key findings show that Fintech is driving banks to increase the digitalization of services, adopt new technologies such as blockchain and artificial intelligence, and expand the reach of financial inclusion. Additionally, collaboration between banks and Fintech companies is increasing, enabling the creation of a more integrated and responsive financial ecosystem. However, significant challenges have also emerged, including cybersecurity issues, evolving regulations, and the need to increase digital literacy among consumers. This research concludes that the success of the Fintech era banking system is highly dependent on the bank's ability to adapt quickly to changes in technology and market needs, while maintaining customer trust and security. Thus, banks that successfully transform digitally will have a stronger position in the future financial landscape. This research is important for providing a deeper understanding of the dynamics between Fintech and the banking system, as well as providing guidance for policymakers and industry leaders in formulating effective strategies to face challenges and exploit emerging opportunities.
Downloads
References
Fadhilah, N., & Darmawati. (2023). Transformasi Digital: Meningkatkan Kinerja Keuangan Koperasi Syariah. Syarikat : Jurnal Rumpun Ekonomi Syariah, 6(2), 532–544.
Firmansyah, F., Rozi, C., & Prajawati, M. I. (2021). Economic benefit, convenience dan risk benefit dalam mempengaruhi penggunaan Fintech yang berulang. Jurnal Ekonomi Modernisasi, 17(2), 113–124. https://doi.org/10.21067/jem.v17i2.5578
Judijanto, L., Andiena Nindya Putri, P., & Dewantara, B. (2024). Impact of Financial Technology (Fintech) Innovation on Traditional Banking and Finance Business Models Dampak Inovasi Finansial Teknologi (Fintech) Terhadap Model Bisnis Perbankan dan Keuangan Tradisional. Management Studies and Entrepreneurship Journal, 5(1), 1020–1025. http://journal.yrpipku.com/index.php/msej
Juliyah, J., Mawarni, I., Maulana, M. A., & Kurnia, N. (2024). Dampak Atas Kemudahan Fintech Dalam Pinjaman Online Terhadap Karyawan Swasta Di Daerah Serang mengupayakan seluruh penduduk Indonesia melek internet . Besarnya angka pengguna internet dengan teknologi yang akhirnya mengubah model bisnis dari konvensional. 2(1).
Kristianti, I., & Tulenan, M. V. (2021). Dampak financial technology terhadap kinerja keuangan perbankan. Kinerja, 18(1), 57–65. http://journal.feb.unmul.ac.id/index.php/KINERJA/article/view/8254
Kusuma, H., & Asmoro, W. K. (2021). Perkembangan Financial Technologi (FINTECH) Berdasarkan Perspektif Ekonomi Islam. ISTITHMAR : Jurnal Pengembangan Ekonomi Islam, 4(2), 141–163. https://doi.org/10.30762/itr.v4i2.3044
Lee, I., & Jae, Y. (2017). Fintech : Ecosystem , business models , investment decisions , and challenges. Bushor, 61(01).
Noer Ady Rahmanto, D. (2019). Risiko dan peraturan: fintech untuk sistem stabilitas keuangan. Inovasi, 15(1), 44–52. http://journal.feb.unmul.ac.id/index.php/INOVASI
Peter, G., Alexander Koch, J., & Siering, M. (2017). SSRN-id2928833. Forthcoming in the Journal of Business Economics (2017), Volume 87(January), 537–580.
Putri, T., & Yayuk Sri Rahayu. (2024). Pengaruh Keamanan, Kepercayaan, dan Risiko Terhadap Penggunaan Layanan Mobile Banking Pada Mahasiswa di Kota Malang. An-Nisbah: Jurnal Perbankan Syariah, 5(1), 49–61. https://doi.org/10.51339/nisbah.v5i1.1740
Sari, M. F. B. & R. P. (2021). Pengaruh Inovasi Dan Tanggung Jawab Sosial Atas Kinerja Finansial BUMN Tambang di Indonesia. MEA(Manjemen, Ekonomi, Dan Akuntansi, 5(3), 2465–2484.
Setyaningrat, D., Annas Mushlihin, I., & Zunaidi, A. (2023). Strategi Digitalisasi untuk Mendorong Inklusi Keuangan Nasabah Bank Syariah: Pendekatan Technology Acceptance Model (TAM). Proceedings of Islamic Economics, Business and Philanthopy, 2(1), 54–76. https://jurnalfebi.iainkediri.ac.id/index.php/proceedings
Setyaningsih, & Wibowo, E. (2018). Pengaruh Orientasi Kewirausahaan Terhadap Kinerja UsahaDengan Orientasi Pasar Sebagai Variabel Moderasi. JEKU: Jurnal Ekonomi Dan Kewirausahaan, 18(2), 361–399.
Sobarna, N. (2021). Analisis Perbedaan Perbankan Syariah Dengan Perbankan Konvensional. Ilmiah Ekonomi Dan Keuangan Syariah, 3(10), 51–62.
Copyright (c) 2024 Miagasela Aprilia Ramadhani
This work is licensed under a Creative Commons Attribution-NonCommercial-ShareAlike 4.0 International License.
- Authors retain copyright and grant the journal right of first publication with the work simultaneously licensed under a Creative Commons Attribution License that allows others to share the work with an acknowledgement of the work’s authorship and initial publication in this journal.
- Authors are able to enter into separate, additional contractual arrangements for the non-exclusive distribution of the journal’s published version of the work (e.g., post it to an institutional repository or publish it in a book), with an acknowledgement of its initial publication in this journal.
- Authors are permitted and encouraged to post their work online (e.g., in institutional repositories or on their website) prior to and during the submission process, as it can lead to productive exchanges, as well as earlier and greater citation of published work.
