Financial Technology (FinTech) dan Prospeknya dalam Industri Keuangan Syariah di Indonesia

Ahmad Shodiq; Ahmad Rifa’i; Syiva Ratna Sari; Ingka Diviana Awalina

Authors

Ahmad Shodiq Universitas Islam Sayyid Ali Rahmatullah, Tulungagug, Indonesia
Ahmad Rifa’i Universitas Islam Sayyid Ali Rahmatullah, Tulungagug, Indonesia
Syiva Ratna Sari Universitas Islam Sayyid Ali Rahmatullah, Tulungagug, Indonesia
Ingka Diviana Awalina Universitas Islam Sayyid Ali Rahmatullah, Tulungagug, Indonesia

Keywords:

Fintech, Innovation, Technology, Application

Abstract

Financial technology/Fintech is the result of a combination of financial services and technology which ultimately changed the business model from conventional to moderate, where initially you had to pay face to face and bring a certain amount of cash, now you can make long distance transactions by making payments that can be made in a matter of seconds. just seconds. The use of applications in business activities is used to maximize time and costs to produce desired profits. With this need, currently many application developers are offering their products to support business activities. Buying and selling activities, borrowing funds, even sending money via online applications makes everything easier so that people are no longer limited by distance and time. The research objective is to determine the level of understanding of the use of Fintech. The type of research used in this research is literature study obtained from various sources.

Downloads

Download data is not yet available.

References

Abdullah, A., & Oseni, U. A. (2017). The application of Islamic finance in FinTech: Shariah principles, contracts, and challenges. Arab Law Quarterly, 31(2), 125–147. https://doi.org/10.1163/15730255-12314005

Alam, N., Gupta, L., & Zameni, A. (2019). Fintech and Islamic finance: Challenges and opportunities. Palgrave Macmillan. https://doi.org/10.1007/978-3-030-24666-4

Arner, D. W., Barberis, J., & Buckley, R. P. (2016). The evolution of FinTech: A new post-crisis paradigm? Georgetown Journal of International Law, 47(4), 1271–1319.

Bank Indonesia. (2022). Laporan ekonomi dan keuangan digital. Bank Indonesia. https://doi.org/10.32479/ijeep.11387

Davis, F. D. (1989). Perceived Usefulness, Perceived Ease Of Use, And User Acceptance Of Information Technology. MIS Quarterly, 319-340.

Davis, F. D., Bagozzi, R. P., & Warshaw, P. R. (1989). User Acceptance Of Computer Technology: A Comparison Of Two Theoretical Models. Management Science, 35(8), 982-1003.

Dewi, N. P. A. T., Yasa, I. K. Y. G. W., & Wijaya, I. G. A. (2022). Faktor-Faktor Yang Mempengaruhi Penggunaan Fintech Lending Pada Generasi Milenial. E-Jurnal Ekonomi Dan Bisnis Universitas Udayana, 11(05).

Dusuki, A. W. (2011). Ethical foundations of Islamic finance. International Journal of Islamic and Middle Eastern Finance and Management, 4(1), 7–19. https://doi.org/10.1108/17538391111122177

Febriani, N. K. D., Utami, N. W., & Putri, I. G. A. P. D. (2023). Analisis Behavioral Intention Dan Use Behavior Quick Response Code Indonesian Standard (QRIS) Pada UMKM Dengan Metode UTAUT 2 Di Kota Denpasar. Jurnal Ilmiah Teknologi Informasi Asia, 17(1), 67-82.

Gomber, P., Koch, J. A., & Siering, M. (2018). Digital finance and FinTech: Current research and future research directions. Journal of Business Economics, 87(5), 537–580. https://doi.org/10.1007/s11573-017-0852-x

Hafifah, L. L., Utami, N. W., & Putri, I. G. A. P. D. (2022). Analisis Faktor Yang Mempengaruhi Behavioral Intention Dan User Behavior Pada Fintech Shopeepay Menggunakan Model Unified Theory Of Acceptance And Use Of Technology (Utaut). Jurnal Akuntansi Bisnis, 15(2).

Julita, J. (2023). Penerapan Financial Technology Dan Peningkatan Literasi Keuangan Bagi Industri Mikro Kecil (IMK). Maneggio: Jurnal Ilmiah Magister Manajemen, 6(2), 203-209.

Justitia, S., Lina, L. F., & Novita, D. (2022). Faktor-Faktor Yang Mempengaruhi Generasi Y Dan Z Dalam Niat Berinvestasi Di Fintech. Jembatan: Jurnal Ilmiah Manajemen, 19(2), 263-274.

Kusuma, H., & Asmoro, W. K. (2020). Perkembangan Financial Technologi (Fintech) Berdasarkan Perspektif Ekonomi Islam. Istithmar, 4(2).

Lee, I., & Shin, Y. J. (2018). Fintech: Ecosystem, business models, investment decisions, and challenges. Business Horizons, 61(1), 35–46. https://doi.org/10.1016/j.bushor.2017.09.003

Marpaung, O., Purba, D. M., & Maesaroh, S. (2021). Analisis Faktor Yang Mempengaruhi Penggunaan Aplikasi Fintech Dan Dampaknya Terhadap Literasi Keuangan. Jurnal Akuntansi, 10(1), 98-106.

MODEL, A. I. (2003). Trust And Tam In Online Shopping: An Integrated Model1. MIS Quarterly, 27(1), 51-90.

Otoritas Jasa Keuangan (OJK). (2023). Statistik fintech lending syariah. OJK. https://www.ojk.go.id/id/kanal/iknb/data-dan-statistik/fintech

Pakpahan, E. F., Chandra, K., & Tanjaya, A. (2020). Urgensi Pengaturan Financial Technology Di Indonesia. Jurnal Darma Agung, 28(3), 444-456.

Purwanto, H., Yandri, D., & Yoga, M. P. (2022). Perkembangan Dan Dampak Financial Technology (Fintech) Terhadap Perilaku Manajemen Keuangan Di Masyarakat. Kompleksitas: Jurnal Ilmiah Manajemen, Organisasi Dan Bisnis, 11(1), 80-91.

Puspita, E., & Solikah, M. A. (2022). Faktor-Faktor Yang Mempengaruhi Minat Penggunaan E-Money Pada Generasi Milenial. Jurnal Riset Akuntansi Aksioma, 21(1), 29-41.

Rahman, A., Amin, H., & Ramayah, T. (2020). FinTech in Islamic finance: A bibliometric review. International Journal of Islamic and Middle Eastern Finance and Management, 13(6), 1253–1273. https://doi.org/10.1108/IMEFM-07-2020-0348

Risnawati, H., & Mudiarti, H. (2022). Faktor-Faktor Yang Mempengaruhi Minat Generasi Milenial Untuk Investasi Di Pasar Modal Melalui Teknologi Fintech. Jurnal Ekonomi Syariah Dan Akuntansi, 3(2), 24-35.

Rivaldi, S., & Dinaroe, D. (2022). Faktor-Faktor Yang Mempengaruhi Minat Penggunaan Fintech Pada Umkm Di Kota Banda Aceh Menggunakan Pendekatan Technology Acceptance Model (TAM). Jurnal Ilmiah Mahasiswa Ekonomi Akuntansi, 7(1), 1-15.

Suyanto, S., & Kurniawan, T. A. (2019). Faktor Yang Mempengaruhi Tingkat Kepercayaan Penggunaan Fintech Pada UMKM Dengan Menggunakan Technology Acceptance Model (TAM). Akmenika: Jurnal Akuntansi Dan Manajemen, 16(1).

Zavolokina, L., Dolata, M., & Schwabe, G. (2016). The FinTech phenomenon: Antecedents of financial innovation perceived by the popular press. Financial Innovation, 2(1), 1–16. https://doi.org/10.1186/s40854-016-0036-7