Peran Financial Technology (Fintek) dalam Mendorong Inklusi Keuangan dan Pertumbuhan Ekonomi di Era Digital
DOI:
https://doi.org/10.31004/joecy.v5i2.244Keywords:
Financial Technology, Fintek, Inklusi Keuangan, Pertumbuhan Ekonomi, Ekonomi DigitalAbstract
Perkembangan teknologi digital telah mendorong transformasi signifikan dalam sektor keuangan global, salah satunya melalui hadirnya Financial Technology (Fintek). Fintek menjadi solusi inovatif dalam menjawab tantangan keterbatasan akses layanan keuangan konvensional, terutama di negara berkembang seperti Indonesia. Penelitian ini bertujuan untuk menganalisis peran Fintek dalam mendorong inklusi keuangan dan kontribusinya terhadap pertumbuhan ekonomi di era digital. Metode yang digunakan dalam penelitian ini adalah pendekatan kualitatif-deskriptif dengan dukungan data sekunder dari berbagai sumber terpercaya seperti OJK, Bank Indonesia, dan laporan industri Fintek. Hasil penelitian menunjukkan bahwa Fintek mampu memperluas akses keuangan bagi masyarakat unbanked dan underbanked melalui layanan seperti e-wallet, pinjaman digital (P2P lending), dan pembayaran berbasis aplikasi. Selain itu, Fintek juga mendorong pertumbuhan ekonomi dengan mendukung aktivitas sektor UMKM, meningkatkan efisiensi transaksi, serta mendorong inovasi keuangan. Namun, tantangan seperti keamanan data, regulasi, dan literasi keuangan tetap menjadi perhatian utama. Oleh karena itu, sinergi antara regulator, pelaku industri, dan masyarakat diperlukan untuk memaksimalkan potensi Fintek secara inklusif dan berkelanjutan.
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