FENOMENA FINTECH MEMPENGARUHI PENGAMBILAN KEPUTUSAN KEUANGAN: A SYSTEMATIC LITERATURE REVIEWS
DOI:
https://doi.org/10.30606/cano.v14i2.3806Keywords:
FinTech, Pengambilan Keputusan,Literasi Keuangan Digital,Keamanan DataAbstract
Penggunaan Financial Technology (FinTech) dalam pengambilan keputusan keuangan perusahaan telah berkembang pesat seiring dengan kemajuan teknologi digital. FinTech menawarkan solusi efisien dalam berbagai aspek keuangan, seperti pembayaran digital, investasi online, dan manajemen risiko. Namun, mengadopsi teknologi ini, masih terdapat tantangan terkait dengan literasi keuangan digital, keamanan data, dan kerumitan teknologi yang perlu diatasi. Penelitian ini bertujuan untuk mengeksplorasi pengaruh FinTech terhadap pengambilan keputusan keuangan, dengan fokus pada manfaat, tantangan, dan faktor-faktor yang mempengaruhi adopsi teknologi. Menggunakan pendekatan Systematic Literature Review (SLR), penelitian ini mengkaji artikel-artikel terkait adopsi FinTech dalam pengelolaan keuangan, serta tantangan dan implikasi manajerial yang terkait. Hasil penelitian menunjukkan bahwa adopsi FinTech membawa banyak manfaat dalam hal efisiensi operasional, penghematan biaya, dan transparansi. Namun, juga dihadapkan pada tantangan terkait dengan perlindungan data pribadi, keandalan teknologi, serta kebutuhan untuk meningkatkan literasi digital di kalangan manajer keuangan. Oleh karena itu, perlu mengembangkan kebijakan pengelolaan risiko yang lebih baik, meningkatkan pelatihan literasi keuangan digital, dan memastikan keamanan data yang lebih baik dalam menggunakan aplikasi FinTech. Penelitian ini diharapkan dapat merancang strategi FinTech yang lebih efektif dan aplikatif, serta mengidentifikasi area-area yang membutuhkan perhatian lebih dalam implementasi FinTech untuk pengambilan keputusan keuangan yang lebih optimal.
Downloads
References
Baierle, I. C., Siluk, J. C. M., Gerhardt, V. J., De Freitas Michelin, C., Neuenfeldt, Ã. L., & Nara, E. O. B. (2021). Worldwide innovation and technology environments: Research and future trends involving open innovation. Journal of Open Innovation: Technology, Market, and Complexity, 7(4). https://doi.org/10.3390/joitmc7040229
Carmona-Lavado, A., Gimenez-Fernandez, E. M., Vlaisavljevic, V., & Cabello-Medina, C. (2023). Cross-industry innovation: A systematic literature review. Technovation, 124(January), 102743. https://doi.org/10.1016/j.technovation.2023.102743
Głodek, P., & Lobacz, K. (2021). Transforming IT small business - The perspective of business advice process. Procedia Computer Science, 192, 4367–4375. https://doi.org/10.1016/j.procs.2021.09.213
Ishii, M., Eduardo Rezende Costa, J., Kuznetsova, M. M., Andries, J., Gopalswamy, N., Belehaki, A., Alfonsi, L., Shiokawa, K., Stanislawska, I., Bingham, S., Kalegaev, V., Kent Tobiska, W., Rees, D., Glover, A., & Spann, J. F. (2024). Pathways to global coordination in space weather: International organizations, initiatives, and space agencies. Advances in Space Research, xxxx. https://doi.org/10.1016/j.asr.2024.06.017
Jonek-Kowalska, I., & Rupacz, S. (2025). Inter-organizational cooperation in the diffusion and improving of innovativeness in micro and macro perspectives: A case of developing economy in an international context. Journal of Open Innovation: Technology, Market, and Complexity, 11(1), 100503. https://doi.org/10.1016/j.joitmc.2025.100503
Kuceba, R., Dudek, D., & Chmielarz, G. (2023). A network collaboration platform as an accelerator for diffusion of eco-innovation on the example of Small and Medium-Sized Enterprises of the Baltic Sea Region countries. Procedia Computer Science, 225, 4235–4244. https://doi.org/10.1016/j.procs.2023.10.420
Ofoeda, J., Boateng, R., & Effah, J. (2024). API integration and organisational agility outcomes in digital music platforms: A qualitative case study. Heliyon, 10(11), e31756. https://doi.org/10.1016/j.heliyon.2024.e31756
Oloyede, A. A., Faruk, N., Noma, N., Tebepah, E., & Nwaulune, A. K. (2023). Measuring the impact of the digital economy in developing countries: A systematic review and meta- analysis. Heliyon, 9(7), e17654. https://doi.org/10.1016/j.heliyon.2023.e17654
Pascucci, E. (2021). More logistics, less aid: Humanitarian-business partnerships and sustainability in the refugee camp. World Development, 142. https://doi.org/10.1016/j.worlddev.2021.105424
Pelli, P. (2021). Service innovation and sustainable construction: Analyses of wood vis-Ã -vis other construction projects. Cleaner Engineering and Technology, 2(February). https://doi.org/10.1016/j.clet.2021.100061
Persaud, A., & Thaffe, W. (2023). The state of financial inclusion research on developing countries. Transnational Corporations Review, 15(4), 22–34. https://doi.org/10.1016/j.tncr.2023.08.002
Schiefer, T., Mahr, D., van Fenema, P. C., & Mennens, K. (2024). A collaborative approach to manage continuous service innovation. Technovation, 134(April), 103029. https://doi.org/10.1016/j.technovation.2024.103029
Shonubi, O. A. (2025). Innovation challenges of digital transformation: Transitioning legacy to the future. Sustainable Futures, 10(September 2024), 100971. https://doi.org/10.1016/j.sftr.2025.100971
Taques, F. H., López, M. G., Basso, L. F., & Areal, N. (2021). Indicators used to measure service innovation and manufacturing innovation. Journal of Innovation and Knowledge, 6(1), 11–26. https://doi.org/10.1016/j.jik.2019.12.001
Xia, Y., & Md Johar, M. G. (2025). How external factors influence organisational digital innovation: Evidence from China. Technology in Society, 81(8), 102802. https://doi.org/10.1016/j.techsoc.2024.102802
Downloads
Published
How to Cite
Issue
Section
License
Copyright (c) 2025 Riri Purnama Sari, Willa Kurnia Eka Syafrita, Zefriyenni
This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.
