Fintech Merubah Perilaku Masyarakat: Studi Pada Negara Berkembang
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Transformasi digital telah mendorong perkembangan fintech secara pesat, terutama di negara-negara berkembang. Fintech memainkan peran penting dalam meningkatkan inklusi keuangan dengan menyediakan akses ke layanan keuangan bagi masyarakat yang sebelumnya tidak terjangkau. Penelitian ini menggunakan metode kajian pustaka, yaitu metode penelitian yang dilakukan dengan mengumpulkan dan menganalisis berbagai sumber literatur penelitian terdahulu yang relevan dengan topik penelitian. Hasil penelitian menunjukkan bahwa fintech mendorong pertumbuhan UMKM, meningkatkan akses ke layanan keuangan, serta mempercepat transaksi. Namun, tingkat literasi digital yang rendah dan ketidak percayaan terhadap layanan fintech menjadi hambatan utama dalam penerapannya. Selain itu, fintech belum sepenuhnya menggantikan peran perbankan, tetapi telah mengubah struktur pasar industri keuangan. Kolaborasi antara regulator, lembaga keuangan, dan penyedia layanan fintech diperlukan untuk menciptakan ekosistem keuangan yang inklusif, aman, dan berkelanjutan. Dengan regulasi yang tepat, fintech berpotensi menjadi solusi utama dalam meningkatkan inklusi keuangan di negara berkembangTeks Lengkap:
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DOI: https://doi.org/10.37531/yum.v8i1.8446
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