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Journal articles on the topic 'FinTech applications'

Author: Grafiati

Published: 4 June 2021

Last updated: 26 July 2025

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1

Lidyah, Rika, Nur Faliza, Basri Basri, Effan Fahrizal, and Heppi Syofya. "Fintech Education In Improving Msme Businesses For Women Farming Groups In Village Communities." Journal Of Human And Education (JAHE) 4, no. 1 (2024): 23–28. http://dx.doi.org/10.31004/jh.v4i1.540.

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When discussing with members of the Women's Farmers' Group in Muara Harapan Village, Muara Enim, South Sumatra, they had a number of problems as well as the reasons why salted egg production and green tea production were not growing rapidly and in fact were always decreasing every year. The problem in question is a lack of capital costs. After discovering this problem, the author discussed with other authors and village officials suggesting collaborating with Fintech in order to improve the home businesses of KWT Melati women so they can compete with competitors both online and offline. Kesimp

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Jain, Peehoo, Priya Gupta, and Bhawna. "The Role of FinTech in Sustainability and United Nations’ Sustainable Development Goals." Journal of Computers, Mechanical and Management 3, no. 5 (2024): 9–17. https://doi.org/10.57159/jcmm.3.5.24168.

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his study investigates the role of FinTech (Financial Technology) in promoting sustainability and advancing the Sustainable Development Goals (SDGs) of the United Nations. It examines how FinTech innovations in financial inclusion, digital payments, and green finance contribute to economic and environmental sustainability. The research employs a comprehensive literature review and thematic analysis, using NVivo and the Orange Data Mining Tool, to identify key themes and analyze data from 77 scholarly articles, industry reports, and case studies on FinTech applications related to sustainability

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3

Nguyễn, Minh Hoàng, Bảo Thiên Hứa Lê, and Vi Thúy Lê. "Perceiving benefit – risk and Fintech users’ continuance intention in Ho Chi Minh City." Science & Technology Development Journal - Economics - Law and Management 4, no. 4 (2020): First. http://dx.doi.org/10.32508/stdjelm.v4i4.605.

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This study aimed to investigate the perceiving benefit – risk and the continuance intention to use Fintech in Ho Chi Minh City. The data was collected from 472 respondents (under the age of 40). The statistical software AMOS, the consistency coefficient measured with Cronbach's Alpha for scaling test, Exploratory Factor Analysis (EFA), Confirmatory Factor Analysis (CFA) and Structural Equation Modelling (SEM) were used for the analysis. The results show that users' benefit perception was explained by economic benefit and convenience, users' risk perception was explained by financial risk and s

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4

Nafisha Asyifana and Ajeng Pipit Fitriani. "Fintech Peer-to-Peer Lending in Digital Financial Applications from the Perspective of Maqashid Shariah." Journal of Islamic Economics (JoIE) 4, no. 1 (2024): 42–51. https://doi.org/10.21154/joie.v4i1.9446.

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Introduction: Currently, humanity is in the era of Society 5.0, characterized by the concept of humanizing humans with technology. This era enables humans to derive benefits from technological advancements. The emergence of fintech represents a breakthrough and innovation in the field of financial services, providing both financial solutions and intermediation. This research aims to determine the implementation of maqashid shariah in fintech peer-to-peer (P2P) lending, assess the impact of implementing maqashid shariah in fintech P2P lending, and examine the relevance of fintech P2P lending to

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Czarkowska, Marta, and Michał Polasik. "Success factors for the development of FinTech entities on the Polish market: a case study." e-mentor 105, no. 3 (2024): 31–40. http://dx.doi.org/10.15219/em105.1668.

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The dynamic development of services in the financial market that use digital technologies has made FinTech synonymous with modernity, and a term with growing popularity, both among banking professionals and the wider consumer community. Since 2009, the dynamic development of this new segment of non-banking startup entities within the financial sector, FinTechs, has been observed. The main objective of this study is to identify success factors for the development of FinTech entities, by conduscting research using a multiple case study method involving six selected FinTech entities operating in

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Nababan, Roida, and Nelson Persada Sinaga. "PERLINDUNGAN HUKUM BAGI KONSUMEN YANG DATA PRIBADINYA DIPERJUAL BELIKAN DI APLIKASI FINTECH PEER-TO-PEER LENDING." NOMMENSEN JOURNAL OF LEGAL OPINION 2, no. 02 (2021): 156–67. http://dx.doi.org/10.51622/njlo.v2i02.366.

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The influence of globalization brings many influences in the progress of life. The rapid development that can be seen from the era of globalization is the development in the field of information technology, especially financial applications. Applications that are developing in the financial services sector are fintech applications. The increase in the use of fintech applications leads to abuse of the fintech application itself. Misuse of personal data of fintech consumers is by buying and selling personal data of fintech consumers. Facts related to the misuse of consumer personal data in finte

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AlHares, Aws, Abdulrahman Dahkan, and Tarek Abu-Asi. "The effect of financial technology on the sustainability of banks in the Gulf Cooperation Council countries." Corporate Governance and Organizational Behavior Review 6, no. 4, special issue (2022): 359–73. http://dx.doi.org/10.22495/cgobrv6i4sip16.

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The purpose of this study is to investigate the influence that financial technology (FinTech) companies have on the soundness of bank finances. Using a sample of 480 bank-year observation from an emerging market of the Gulf Cooperation Council (GCC) over the period of 2006–2021, we find that the development of FinTech firms over time increases bank financial stability. The study used the Refinitiv Eikon and Fintch Connect databases to measure variables. When we conduct sub-sample analyses by bank size, bank type, and level of corporate governance, we find additional evidence that supports the

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Renduchintala, Tara, Haneen Alfauri, Zebo Yang, Roberto Di Pietro, and Raj Jain. "A Survey of Blockchain Applications in the FinTech Sector." Journal of Open Innovation: Technology, Market, and Complexity 8, no. 4 (2022): 185. http://dx.doi.org/10.3390/joitmc8040185.

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FinTech has proven its true potential in traditional financial offerings by delivering digital financial services to individuals worldwide. The pandemic has accelerated how people interact with financial services and has resulted in long-term changes to societies and economies. FinTech has expanded access to financial services and has made such changes possible. FinTech or Financial Technology refers to using new technologies for financial services. Artificial Intelligence, Blockchain, and cloud computing are a few technologies currently being applied to FinTech. In this paper, we consider Fin

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9

Al nawayseh, Mohammad K. "FinTech in COVID-19 and Beyond: What Factors Are Affecting Customers’ Choice of FinTech Applications?" Journal of Open Innovation: Technology, Market, and Complexity 6, no. 4 (2020): 153. http://dx.doi.org/10.3390/joitmc6040153.

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Accessing financial services is considered one of the main challenges facing communities during crises. This research studies the role of using FinTech applications to build resilience during the COVID-19 pandemic. The research empirically examines the factors affecting Jordanian citizens’ intention to use FinTech applications. The sample of the research comprised 500 potential FinTech service users in Jordan. Based on the research conceptual model, five hypotheses were developed and tested using structural equation modeling techniques (SEM-PLS). The research results indicate that perceived be

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10

Syed Tanveer Alam. "Revolutionizing energy payments: The role of fintech in streamlining transactions." World Journal of Advanced Research and Reviews 22, no. 2 (2024): 2074–83. http://dx.doi.org/10.30574/wjarr.2024.22.2.1626.

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In today's rapidly evolving financial landscape, financial technology (FinTech) is playing a pivotal role in transforming the way energy payments are processed and managed. This review delves into the ways in which FinTech is revolutionizing traditional energy payment practices, enhancing efficiency, security, transparency of payment processes, and accessibility for both consumers and businesses, as well as streamlining transactions. By examining the integration of FinTech solutions with energy payment systems, this paper explores how technologies like blockchain, artificial intelligence, smar

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Syed, Tanveer Alam. "Revolutionizing energy payments: The role of fintech in streamlining transactions." World Journal of Advanced Research and Reviews 22, no. 2 (2024): 2074–83. https://doi.org/10.5281/zenodo.14716075.

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In today's rapidly evolving financial landscape, financial technology (FinTech) is playing a pivotal role in transforming the way energy payments are processed and managed. This review delves into the ways in which FinTech is revolutionizing traditional energy payment practices, enhancing efficiency, security, transparency of payment processes, and accessibility for both consumers and businesses, as well as streamlining transactions. By examining the integration of FinTech solutions with energy payment systems, this paper explores how technologies like blockchain, artificial intelligence, smar

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12

Prasath, V. Ram, and Dr P. Tamil Selvan. "A Study o n Investors Opinion t owards Recent Trends o f Financial Te chnology (Fintech) Development with Special Reference t o N on Banking Financial Companies i n Chennai." Emperor Journal of Finance 03, no. 05 (2024): 55–64. http://dx.doi.org/10.58394/ejf.2024.3506.

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Fintech, or financial technology, has been upending traditional banking and financial services in recent years with innovations like crowdfunding, robo-advisors, peer-to-peer lending, mobile payments, and more. The present study investigates investor attitudes and perspectives of the key factors that will shape the future of fintech, as the industry continues to grow quickly. We analyse the views of 300 individual and institutional investors on new fintech sectors, including reteach,Insurtech, artificial intelligence/machine learning applications, blockchain, cryptocurrencies, and decentralize

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13

Nutalapati, Pavan. "Zero Trust Architecture in Cloud-Based Fintech Applications." Journal of Artificial Intelligence & Cloud Computing 2, no. 1 (2023): 1–8. http://dx.doi.org/10.47363/jaicc/2023(2)e152.

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The rapid adoption of cloud technologies and the increasing sophistication of cyber threats have necessitated the evolution of security models in fintech applications. Traditional perimeter-based security models are insufficient for protecting sensitive financial data in dynamic and distributed cloud environments. This paper explores the implementation of Zero Trust Architecture (ZTA) in cloud-based fintech applications. Zero Trust is a security model that assumes that threats could exist both inside and outside a network, enforcing strict verification for every entity attempting to access res

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14

Kabulova, Jelena, and Jelena Stankevičienė. "Valuation of FinTech Innovation Based on Patent Applications." Sustainability 12, no. 23 (2020): 10158. http://dx.doi.org/10.3390/su122310158.

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The financial services sector, perhaps more than any other, is being disrupted by advances in technology. The purpose of this study is to provide comprehensive data and evidence on value of the FinTech innovation event. First, a text-based filtering method for identifying FinTech patent applications is provided. Using machine learning applications, innovations are classified into major technology groups. The methodology for valuation of FinTech innovation is based on data of stock price changes. To assess the value impact, Poisson flow rates and stock price movements were combined. Further, to

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15

Wijayanto, Hendro, Abdul Haris Muhammad, and Dedy Hariyadi. "Analisis Penyalahgunaan Data Pribadi Dalam Aplikasi Fintech Ilegal Dengan Metode Hibrid." Jurnal Ilmiah SINUS 18, no. 1 (2020): 1. http://dx.doi.org/10.30646/sinus.v18i1.433.

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Penetration of internet usage in Indonesia has increased by 10.12% from 2017 to 2018. This has led to very rapid technological growth, such as the growth of online loan services or Financial Technology (Fintech). This condition makes the emergence of illegal fintech services built by certain groups to reap profits. Illegal fintech service providers stand building applications with a lot of personal data requested at registration. Starting from personal data, family, work up to banking are accompanied by photo evidence and contact numbers. Hybrid analysis is needed to see the extent in which th

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16

Li, Wei. "Applications of Financial Technology in Foreign Exchange Market." E3S Web of Conferences 233 (2021): 01160. http://dx.doi.org/10.1051/e3sconf/202123301160.

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Financial technology (Fintech), including a series of advanced technologies such as big data, artificial intelligence and block-chain, has been gradually applied to various industries after years of development and will become the major driver of the future financial industry. As one of the largest financial markets in the world, the traditional foreign exchange service industry is gradually entering the era of fintech, bringing new vitality to the foreign exchange market through advanced technology and improving the efficiency of foreign exchange management. However, while enjoying the opport

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17

Veera Vakkapatla. "Technological transformation of transactions with the rise of FINTECH." World Journal of Advanced Research and Reviews 24, no. 1 (2024): 2053–59. http://dx.doi.org/10.30574/wjarr.2024.24.1.3231.

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In recent years, the entire financial landscape has experienced a significant transformation due to the rise of financial technology simply called Fintech, which has redefined the transaction processes and democratized the access to financial services. This review focuses on how fintech is transforming transactions by enhancing efficiency, increasing security, providing transparency, and creating accessibility for consumers and businesses alike. Key technologies such as blockchain, artificial intelligence, smart contracts, digital wallets, and mobile applications are transforming transactions,

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Veera, Vakkapatla. "Technological transformation of transactions with the rise of FINTECH." World Journal of Advanced Research and Reviews 24, no. 1 (2024): 2053–59. https://doi.org/10.5281/zenodo.15051447.

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In recent years, the entire financial landscape has experienced a significant transformation due to the rise of financial technology simply called Fintech, which has redefined the transaction processes and democratized the access to financial services. This review focuses on how fintech is transforming transactions by enhancing efficiency, increasing security, providing transparency, and creating accessibility for consumers and businesses alike. Key technologies such as blockchain, artificial intelligence, smart contracts, digital wallets, and mobile applications are transforming transactions,

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19

Loukoianova, Elena. "Fintech Applications for Boosting Climate Finance." Staff Climate Notes 2024, no. 008 (2024): 1. https://doi.org/10.5089/9798400293740.066.

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20

Hemanth, Kumar. "Continuous Integration and Deployment Best Practices for FinTech Applications." International Journal of Innovative Research in Engineering & Multidisciplinary Physical Sciences 8, no. 2 (2020): 1–10. https://doi.org/10.5281/zenodo.14762552.

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Continuous Integration (CI) and Continuous Deployment (CD) have emerged as indispensable practices in the software development lifecycle, particularly in FinTech, where speed and compliance are critical. This paper investigates best practices for CI/CD in FinTech applications, emphasizing secure coding, automated testing, compliance integration, and deployment strategies. Drawing on foundational research and advancements from before 2015, it explores the challenges and solutions for implementing robust CI/CD pipelines. Adopting these practices enables FinTech firms to innovate rapidly while ma

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Syarifah, Syarifah, Wing Wahyu Winarno, and Hanson Prihantoro Putro. "Analisis Karakteristik Penggunaan Aplikasi Peer To Peer Lending Fintech dengan Model PCI." JURNAL MEDIA INFORMATIKA BUDIDARMA 4, no. 2 (2020): 421. http://dx.doi.org/10.30865/mib.v4i2.2059.

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This study aims to determine the characteristics that influence the intention to use Peer to peer lending fintech applications with the Perceived Characteristics of Innovation (PCI) model. This study was conducted on 203 respondents who used the peer to peer lending fintech application and 114 respondents who did not use the Peer to peer lending fintech application in Indonesia. The results of this study indicate that the characteristics of innovation relative advantage, complexity, and observability can be determinants of people's intentions in using the Peer to peer lending application Finte

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Hemanth, Kumar. "SERVERLESS ARCHITECTURES IN CLOUD-BASED FINTECH APPLICATIONS." International Journal of Core Engineering & Management Volume-6, Issue-07, 2020 (2020): 4. https://doi.org/10.5281/zenodo.14830202.

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Serverless architectures are reshaping the way financial technology (fintech) applications aredeveloped and deployed. By abstracting server management, serverless computing provides aflexible, cost-effective, and scalable solution for cloud-based fintech platforms. This paperexamines how serverless technologies enhance operational efficiency, comply with stringentregulatory frameworks, and address unique challenges in the fintech industry. The paperhighlights the benefits, methodologies, and challenges of implementing serverless architectures infintech. In addition to simplifying development w

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Riikkinen, Mikko, Saila Saraniemi, and Kaisa Still. "FinTechs as Service Innovators - Understanding the Service Innovation Stack." International Journal of E-Business Research 15, no. 1 (2019): 20–37. http://dx.doi.org/10.4018/ijebr.2019010102.

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Fundamental internal and external changes coupled with digitalisation have enabled new market entrants, FinTechs, to innovate services, creating competitive solutions to incumbents' offering. The purpose of this article is to understand the service innovation approach of FinTech companies. The complexities of service innovation are explained with a theoretical concept of service innovation stack, which presents the multiple components needed for successful service innovation. The usefulness of this construct is observed with a longitudinal case study of 10 FinTech startup from Finland using in

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Kahtan, Abedalrhman. "Revolutionizing Tourism: The Impact and Potential of Financial Technology Applications." Social Science Journal for Advanced Research 4, no. 5 (2024): 118–24. https://doi.org/10.5281/zenodo.13927626.

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In the wake of digital transformation, the tourism industry stands at the cusp of a significant evolution driven by financial technology (fintech). This paper explores the multifaceted impacts of fintech applications on the tourism sector, aiming to elucidate their potential in revolutionizing industry practices and enhancing economic outcomes. By integrating blockchain, artificial intelligence, and big data analytics, fintech offers solutions that enhance transactional efficiency, improve customer experiences, and promote sustainable tourism practices. Through comprehensive analysis and case

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Pavan, Nutalapati. "Advanced Data Encryption Techniques for Secure Cloud Storage in Fintech Applications." Journal of Scientific and Engineering Research 5, no. 12 (2018): 396–405. https://doi.org/10.5281/zenodo.13758824.

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This technical paper explores advanced data encryption techniques essential for secure cloud storage in fintech applications. The rapid growth of financial technology (fintech) has significantly increased the need for robust data security measures to protect sensitive information. By examining the latest advancements in encryption methods, this paper aims to provide a comprehensive understanding of how these technologies can be implemented to enhance the security of cloud-based fintech services.

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Dai, Shenghua. "Cloud Computing in Financial Technology: Applications and Challenges." Innovation in Science and Technology 3, no. 6 (2024): 87–94. https://doi.org/10.56397/ist.2024.11.10.

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In the rapid development of Financial Technology (FinTech), cloud computing technology has played a crucial role. This paper aims to explore the applications of cloud computing in the field of FinTech, including payment systems, banking operations, investment management, insurtech, and regulatory technology. At the same time, this paper will also analyze the challenges brought by these applications, such as data security and privacy protection, regulatory compliance, technological dependence and risk management, and technological integration and migration issues. Through an in-depth analysis o

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Mulyk, T. O., and O. O. Oliinyk. "The Economic Meaning and Types of FinTech Innovations." Business Inform 12, no. 527 (2021): 72–78. http://dx.doi.org/10.32983/2222-4459-2021-12-72-78.

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The purpose of the article is to deepen the theoretical and applied principles of researching the essence of the concept of «FinTech innovations» and their classification features. According to the results of the research, scientific approaches to understanding the essence of the term FinTech are evaluated. The versatility and varied meaningful load of this term indicates various differences and peculiarities of determining this category in scientific sources. Scholars interpret FinTech as innovative technologies and business models as technology, industry sector, services, etc. Each of the pr

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V, Lakshmana Narayanan, Ramesh Pandi G, Kaleeswari K, and Veni S. "MACHINE LEARNING ALGORITHM FOR FINTECH INNOVATION IN BLOCKCHAIN APPLICATIONS." ICTACT Journal on Soft Computing 14, no. 1 (2023): 3165–72. http://dx.doi.org/10.21917/ijsc.2023.0443.

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The rapid growth of Fintech innovation and the widespread adoption of blockchain technologies have indeed had a transformative impact on the financial industry. In this paper, the focus is on the application of machine learning algorithms, specifically the Random Forest Regression algorithm, within the context of Fintech and blockchain. This research contributes to the advancement of machine learning techniques in the field of Fintech and blockchain. The Random Forest Regression algorithm utilizes ensemble learning, combining multiple decision trees to analyze complex financial data and make p

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Xu, Yang, Yingchia Liu, Haosen Xu, and Hao Tan. "AI-Driven UX/UI Design: Empirical Research and Applications in FinTech." International Journal of Innovative Research in Computer Science and Technology 12, no. 4 (2024): 99–109. http://dx.doi.org/10.55524/ijircst.2024.12.4.16.

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This study explores the transformative impact of AI-driven UX/UI design in the FinTech sector, examining current practices, user preferences, and emerging trends. Through a mixed-methods approach, including surveys, interviews, and case studies, the research reveals significant adoption of AI technologies in FinTech UX/UI design, with 78% of surveyed companies implementing such solutions. Personalization emerges as a dominant trend, with 76% of FinTech apps utilizing AI for tailored user interfaces. The study demonstrates a strong correlation between AI-enhanced features and improved user enga

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Kahtan, Abedalrhman, and Alzaydi Ammar. "Integration of FinTech Applications in Public Health Strategies for Sustainable Development." International Journal of Engineering and Management Research 14, no. 4 (2024): 122–30. https://doi.org/10.5281/zenodo.13771503.

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In the era of rapid technological evolution, the convergence of financial technology (FinTech) and public health emerges as a pivotal strategy for advancing sustainable development. This article delineates the multifaceted integration of FinTech applications within public health systems globally, scrutinizing their historical progression, current implementations, and future trajectories. It evaluates the economic viability, technological underpinnings, and socio-environmental impacts of such integrations, drawing on diverse regional case studies to illustrate varying degrees of adoption and su

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Theresia Trisanti. "ANALYZE THE INFLUENCE OF THE TECHNOLOGY ACCEPTANCE MODEL (TAM) ON THE USE OF FINTECH LENDING." Jurnal Ekonomi dan Bisnis 18, no. 2 (2024): 103–12. http://dx.doi.org/10.53916/jeb.v18i2.86.

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This study endeavors to explore the impact of perceived usefulness and perceived ease of use on the intention to use fintech lending applications in Indonesia. The independent variables under scrutiny are perceived usefulness and perceived ease of use, while the dependent variable is the adoption of fintech lending applications. Employing a quantitative approach, this research employs a descriptive methodology. Primary data collected from 182 respondents serves as the basis for analysis. Sampling in this study is conducted using a non-probability technique, specifically the purposive sampling

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Takidah, Erika, and Salina Kassim. "The Shariah Compliance of Islamic Peer-to-Peer (P2P) Lending Practices in Indonesia: Identification of Issues and the Way Forward." ICR Journal 13, no. 1 (2022): 72–91. http://dx.doi.org/10.52282/icr.v13i1.830.

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Shariah compliance is an important aspect of all Islamic financial instruments and transactions. With the growth of innovation in the finance industry, Islamic fintech's presence has added players, such as digital platforms, which need to comply with shariah. Therefore, this study aims to examine Islamic Peer-to-Peer (P2P) financing activity implementation as part of the fintech business model. Through a descriptive qualitative approach, a thorough analysis was conducted of digital contract papers, prospectuses, and the positions of parties involved in six Indonesian Islamic fintech companies.

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Nurjamil and Siti Nurhayati. "Pengelolaan Wakaf Uang Melalui Aplikasi Fintech Pada Koperasi Syariah Di Kota Bandung." Coopetition : Jurnal Ilmiah Manajemen 12, no. 2 (2021): 205–12. http://dx.doi.org/10.32670/coopetition.v12i2.435.

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This study aims at providing an insight into the legal status of waqf through application in fintech pursuant to Law No41 of 2004 and Law no 11 of 2008 on Information and electronic transactions, a form of nadzir responsibility for managing waqf assets through fintech applications and then seeking a model for the economic empowerment of individuals through through the use of fintech applications. The method employed in this study is a method of regulation, referring to qualitative legal research. The results found that the application of fintech applications in the management of cash waqf is n

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Alam, Azhar, Fadhiil Arkanur Raihan, Muhamad Al Bagir, Adityo Wiwit Kurniawan, and Jibrail Bin Yusuf. "Exploring user feedback on sharia FinTech apps: a Netnographic study in Indonesia." International Journal of Informatics and Communication Technology (IJ-ICT) 14, no. 2 (2025): 663. https://doi.org/10.11591/ijict.v14i2.pp663-672.

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The rapid growth of Sharia FinTech applications in Indonesia has raised questions about user perceptions and experiences. This study employs a Netnographic approach to explore user feedback on Sharia FinTech apps through reviews posted on the Google Play store. The research analyzed 129 reviews from five Sharia FinTech applications between July and December 2023. The study reveals that 55.10% of users expressed overall satisfaction with the apps, appreciating their ease of use and Sharia compliance. However, significant challenges were identified, with 37.50% of negative reviews related to pay

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Stojanović, Branka, Josip Božić, Katharina Hofer-Schmitz, et al. "Follow the Trail: Machine Learning for Fraud Detection in Fintech Applications." Sensors 21, no. 5 (2021): 1594. http://dx.doi.org/10.3390/s21051594.

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Financial technology, or Fintech, represents an emerging industry on the global market. With online transactions on the rise, the use of IT for automation of financial services is of increasing importance. Fintech enables institutions to deliver services to customers worldwide on a 24/7 basis. Its services are often easy to access and enable customers to perform transactions in real-time. In fact, advantages such as these make Fintech increasingly popular among clients. However, since Fintech transactions are made up of information, ensuring security becomes a critical issue. Vulnerabilities i

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Tobing, Erie Hotman H., and Adrian Adrian. "FINTECH ERA AND GOVERNMENT REGULATION." Jurnal Manajemen & Bisnis Jayakarta 1, no. 2 (2020): 121–26. http://dx.doi.org/10.53825/jmbjayakarta.v1i2.25.

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The growth of Fintech Lending according to OJK data as of November 2019 accumulated loans amounting to Rp 74.54 trillion, an increase of 228.88% ytd, with 164 registered / licensed operators. Fintech lending illegal that has been acted upon by the Investment Alert Task Force from 2018 to November 2019 as many as 1,898 entities. The latest findings at the end of November 2019 were 125 illegal fintech lending that were not registered in the OJK had been reduced from Google Play. Data from the Indonesian Joint Funding Fintech Association (AFPI) with 164 organizers as of mid-December 2019 noted th

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Boscia, Vittorio, Valeria Stefanelli, and Marco Trinchera. "Fintech & Risks. A Bibliometric Analysis." Risk Management Magazine 16, no. 2 (2021): 68–74. http://dx.doi.org/10.47473/2020rmm0091.

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Our study highlights a literature map on Fintech and the risks associated with this technological innovation in the financial sector. Considering all the studies published from 2014 to 2021 in "Scopus", we resort to econometric techniques to create our map. Our results show the recent attention of academics and researchers, mainly belonging to the technological and IT areas, towards Fintech. In particular, the studies focus on the issue of emerging technologies applied to investment and credit processes linked to the assessment of customer insolvency risk. For this reason, the existing analyze

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Napitupulu, Rodame Monitorir, and Raditya Sukmana. "A Review of Fintech and Waqf Intersections in Academic Debates." ZISWAF: JURNAL ZAKAT DAN WAKAF 10, no. 1 (2023): 44. http://dx.doi.org/10.21043/ziswaf.v10i1.19545.

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<p><em>In 2022, Indonesia was ranked 3rd in the utilization of Islamic fintech on a global scale. Despite this accomplishment, waqf institutions continue to face challenges in embracing fintech. Therefore, this research aimed to investigate the extent of fintech-related research on waqf and its implications for the institutions in effectively harnessing fintech in their activities. It adopted a qualitative research approach, relying on Scopus-indexed documents as the primary source of data. Subsequently, the data were analyzed using the Publish or Perish (PoP) tool, following the S

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Ahmad, Syed Magfur, and Abdullah Al Mamun. "Opportunities of Islamic FinTech: The Case of Bangladesh and Turkey." CenRaPS Journal of Social Sciences 2, no. 3 (2020): 412–26. http://dx.doi.org/10.46291/cenraps.v2i3.39.

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This paper aims to study Islamic fintech operations in Bangladesh and Turkey. FinTech is now extensively used in different countries around the world. It is known to be financial products of the twenty-first century. Fintech applications are using pervasively in the different Islamic finance operating systems. Turkey and Bangladesh emphasized more in fintech after the 2008 global financial crisis. Both countries banks prioritized in their regulations and compliance with innovation. The rise of Islamic Fintech in Turkey and Bangladesh started with the main banking applications. The use of shari

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Ashfaq, Khurram, Adil Riaz, and Usman Haider. "Is FinTech a Savior in COVID-19? Evidence from an Emerging Economy." Global Social Sciences Review VII, no. II (2022): 285–94. http://dx.doi.org/10.31703/gssr.2022(vii-ii).29.

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This research empirically examines the factors affecting the intention to use FinTech applications during the pandemic situation. The convenient sampling of the research comprised 546 individual respondents from different cities in Pakistan. The research results indicate that perceived benefits and social influence have significantly affected the customer's intentions to use FinTech applications during the covid-19 pandemic.Customers' intentions to utilize FinTech apps are unaffected by perceived technology risks. Furthermore, the findings show that attitude influences the relationship between

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Bălţoi, Ion-Costel-Marius. "The fintech ecosystem in Romania." Proceedings of the International Conference on Business Excellence 14, no. 1 (2020): 273–81. http://dx.doi.org/10.2478/picbe-2020-0026.

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AbstractIncreasing the rate of use of mobile devices and the Internet, as well as the development of new technologies, is rapidly impacting the financial market and electronic payments, in particular. Thus, Romania has become one of the countries in which the users have a lot of variants for managing individual funds, purchasing goods and services through digital channels. Also, we can say that Romania represents at regional level one of the countries with growth potential both due to the size of the market, as well as the innovation potential of entrepreneurs and big companies / financial ins

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Brophy, Richard. "Blockchain and insurance: a review for operations and regulation." Journal of Financial Regulation and Compliance 28, no. 2 (2019): 215–34. http://dx.doi.org/10.1108/jfrc-09-2018-0127.

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Purpose The purpose of this paper is to examine the operational and regulatory positions of the employment of Blockchain in the insurance industry. Blockchain technology has attracted wide interest from various stakeholders. Many theorists are predicting that this technology will disrupt financial services, including insurance. As stated that the development of blockchain is dependent on regulatory acceptance of this technology, it is essential to establish the current state of play with regard to the application and use of blockchain from a commercial and regulatory standpoints. Design/method

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ÖZBEK, Adem. "Technology Use in Finance: Continuation Intention in Fintech Applications, Türkiye Example." International Journal of Social Sciences 9, no. 38 (2025): 14–35. https://doi.org/10.52096/usbd.9.38.02.

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All sectors have to change and develop depending on technological change. The reason for this change is sometimes competition, sometimes achieving a longer economic life, and sometimes facilitating the current conditions. The intensity of use of financial markets and products is evaluated by financial participation. Technology has an important position, especially in increasing the use of financial products. Reasons such as time saving, ease of use, economic benefits, etc., which increase usage by consumers, are improving the demand for fintech applications. The study aims to evaluate the beha

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Omolara Patricia Olaiya, Temitayo Oluwadamilola Adesoga, Azeez Adekunle Adebayo, Fehintola Moyosore Sotomi, Oluwaseun Aaron Adigun, and Paschal M Ezeliora. "Encryption techniques for financial data security in fintech applications." International Journal of Science and Research Archive 12, no. 1 (2024): 2942–49. http://dx.doi.org/10.30574/ijsra.2024.12.1.1210.

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In the dynamic world of financial technology (Fintech), securing financial data is a key priority. Increasing digital connectivity, adoption of cloud-based services requiring complex measures to protect the integrity, privacy and availability of sensitive information. Encryption techniques are emerging as a key tool to achieve these goals about itself by converting plaintext into ciphertext, protected from unauthorized access and probability violations. This review paper examines the various encryption techniques required to secure financial information in fintech applications. The main method

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Melati, Yulia Arum. "Fintech and financial performance in the banking industry: A literature review." Asian Journal of Economics and Business Management 3, no. 1 (2024): 357–61. http://dx.doi.org/10.53402/ajebm.v3i1.385.

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This research conducts an in-depth literature review on the influence of fintech on the financial performance. The focus is to identify key findings from prior studies, understand concepts related to fintech adoption, and explore its impact on the firm. Analyzing literature from Sinta and Scopus databases, the study aims to provide a holistic overview of fintech's role in transforming the banking landscape. Fintech adoption is found to significantly enhance operational efficiency, affecting liquidity, profitability, and overall growth. Positive cash flow operations are crucial in determining f

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Baek, Kang, and Dong-Seok Oh. "Fintech Applications for SMEs: A Consumer Perspective." Korea International Trade Research Institute 13, no. 4 (2017): 455–69. http://dx.doi.org/10.16980/jitc.13.4.201708.455.

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., Naresh, and Kawal . "Small Business Financing through FinTech Crowdfunding Applications." Review of Contemporary Scientific and Academic Studies 2, no. 8 (2022): 1–8. http://dx.doi.org/10.55454/rcsas.2.8.2022.007.

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Chandra Shekar, M., and R. Kumaran. "FinTech - An Exploratory Study and its Applications." Management Accountant Journal 54, no. 10 (2019): 51. http://dx.doi.org/10.33516/maj.v54i10.51-54p.

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Saputra, Verdian Agus, Afrohiyatid Diniyah, and Ahmad Ahda Maulana. "SHAFICA (SHARIA FINTECH CAMPAIGN): SHARIA FINTECH MARKETING APPLICATIONS THROUGH CAMPAIGN TO ACCELATE THE DEVELOPMENT OF SHARIA BANKING IN INDONESIA." Airlangga International Journal of Islamic Economics and Finance 5, no. 01 (2022): 18–33. http://dx.doi.org/10.20473/aijief.v5i01.37910.

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ABSTRACT The urgency of using Islamic fintech in marketing Islamic banking products has become a priority in life in the industrial era 4.0. This is because the development of sharia fintech services has a positive effect on the financial performance of Islamic banking. Sharia fintech can be used as an acceleration of da'wah and sharia economic development through banking products so that it can help the financial needs of the community as well as a source of capital for business actors (MSMEs). This is evident in terms of Islamic peer to peer lending on average an increase of about 50% in 202

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Rachmawati, Anisa, Selfi Artika, and Oktavia Dewi Sari Mukti. "Consumers’ Perspectives on Fintech Lending in Indonesia: Analysis of Herding Behavior and Physiological Needs." International Journal of Business, Humanities, Education and Social Sciences (IJBHES) 5, no. 1 (2023): 56–60. http://dx.doi.org/10.46923/ijbhes.v5i1.251.

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Financial technology is a technological innovation in financial services that is currently developing sector in Indonesia. This study focuses on fintech, which provides online loan financial services called fintech lending. The research gap on peer-to-peer lending was found in the study investigating one of the peer-to-peer lending problems and the existence of information asymmetry. Based on the research gap, this study analyzes the herding behavior of consumers as borrowers. It analyzes consumers’ perspectives as borrowers on technological innovation in peer-to-peer lending in making decisio

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