Analisa Faktor dan Perkembangan Tren Fintech di Indonesia
DOI:
https://doi.org/10.21512/becossjournal.v4i3.8584Keywords:
Financial technology (fintech), Fintech impact, Fintech trend, Fintech banking, Fintech IndonesiaAbstract
Financial Technology (Fintech) di Indonesia telah mengalami perkembangan semenjak awal tahun 1986, dimana mesin Anjungan Tunai Mandiri (ATM) diperkenalkan untuk pertama kalinya kepada masyarakat Indonesia, hingga saat ini. Semenjak saat itu, fintech telah mengalami perkembangan yang cukup signifikan. Fintech pada masa kini menjadi bagian dari keseharian masyarakat, dan semakin banyak perusahaan yang berlomba-lomba menyediakan layanan fintech kepada masyarakat, seperti peer-to-peer lending yang merupakan salah satu produk fintech yang ditawarkan kepada masyarakat. Hal yang menjadi objektif utama dari penelitian ini adalah untuk menelaah tren fintech yang sedang berlangsung di Indonesia pada masa kini, dan memprediksi akan seperti apa tren fintech di masa yang akan datang. Penelitian ini menggunakan metode literature review dengan menggunakan 28 karya ilmiah serta 2 buku sebagai sumber literatur. Dari penelitian yang kami lakukan, kami mendapati bahwa terdapat 4 faktor yang memiliki kontribusi terhadap tren fintech di Indonesia pada saat ini, yaitu teknologi, UMKM, hukum, dan layanan perbankan
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