Relevant bibliographies by topics / Online FinTech loan application

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  1. Journal articles
  2. Dissertations / Theses
  3. Books
  4. Book chapters
  5. Conference papers

Academic literature on the topic 'Online FinTech loan application'

Author: Grafiati
Published: 5 June 2025
Last updated: 1 August 2025

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Journal articles on the topic "Online FinTech loan application"

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Putri, Mellya, Reine Oktovina, Reina Oktovini, Indra Lesmana, and Dito Rinaldo. "Dampak Penggunaan Pinjaman Online Terhadap Gaya Hidup Konsumtif Mahasiswa STIE Ekuitas." Jurnal Maneksi 12, no. 4 (2023): 783–90. http://dx.doi.org/10.31959/jm.v12i4.1939.

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One of the digital financial services offered by financial service providers commonly called fintech is online loans. With easy terms and conditions, online loans make it easier for people, including students, to borrow money online. This service can influence students' consumptive lifestyle. Students who want to borrow money to meet their needs can take advantage of this online loan application, which allows money to be disbursed immediately. Loan repayment is considered easy because it can be paid in installments with a certain interest depending on the period chosen. The aim of this researc
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Ndruru, Linus, Carolus Wahyu Herman, Deny Octa Ttistian, and Sigit Widodo. "Law Enforcement on Misuse of Personal Data by Online Loan Business Actors." Indonesian Journal of Law and Islamic Law (IJLIL) 5, no. 2 (2023): 40–49. http://dx.doi.org/10.35719/ijlil.v5i2.317.

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This study aims to explore data breaches in the usage of online loan applications (peer-to-peer lending) that happen as a result of financial advancements in technology. It is essential to discuss the issue of personal data security in online loan application activities because it concerns fundamental privacy for everyone. This phenomenon not only offers convenience in obtaining loan facilities but also creates problems, primarily related to personal data entered during registration and requests for access to several points of personal data when making loans through the application provided an
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Istianingsih. "THE ROLE OF SELF-CONTROL IN THE IMPACT OF ARTIFICIAL INTELLIGENCE INNOVATION ON LENDING DECISIONS IN ONLINE FINTECH." International Journal of Applied Engineering & Technology 4, no. 1 (2022): 24–33. https://doi.org/10.5281/zenodo.7266825.

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This research contributes to the literature by measuring the impact of artificial intelligence (AI) innovation on the decision to borrow funds through online financial technology (FinTech) applications; this has not been researched before. The purpose of this study is to examine the impact of AI on decisions to borrow funds through an online Fintech application. This study also includes self-control as an intervening variable in the relationship between perceptions of AI innovation and online FinTech. In addition, we also tested the effect of lifestyle, impulsive buying, and hedonism on loan d
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Nazmi, Khairin, Fadhilah Is, and Juli Julaiha Pulungan. "Analisis Prinsip Hutang Piutang Menurut Hadis dan Versi Pinjaman Online." Private Law 5, no. 1 (2025): 1–16. https://doi.org/10.29303/prlw.v5i1.6267.

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The development of technology in today's society has also given rise to new innovations in financial services based on information technology known as Financial Technology (Fintech). Fintech lending or also called Fintech Peer-to-Peer Lending or services. borrowing and lending money based on information technology is one of the innovations in the financial sector by utilizing technology that allows lenders and borrowers to carry out borrowing and lending transactions without having to meet in person. The borrowing and lending transaction mechanism is carried out through a system that has been
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Vivi Humaera. "Analisis Yuridis Keabsahan Perjanjian Pinjaman Online Spinjam Pada Aplikasi Shopee Berdasarkan Kitab Undang-Undang Hukum Perdata." JURIDICA : Jurnal Fakultas Hukum Universitas Gunung Rinjani 5, no. 1 (2023): 38–44. http://dx.doi.org/10.46601/juridicaugr.v5i1.309.

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In this research the author raised the title "Judicial Analysis of the Validity of Online Loan Agreement on the Shopee Application". The purpose of this research is to find out the problems that will be examined in this thesis are: How is the validity of online loan agreements based on the provisions of the Civil Code and what is the legal protection for debtors and creditors when using online loan agreement on the Financial Technology-based Shopee application. The research method used is normative-empirical law and the specifics used in this research are descriptive analysis. Based on researc
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Ardianti, Tifany Puspa, and Rani Apriani. "CONSUMER PERSONAL DATA LEGAL PROTECTION ON ILLEGAL FINTECH LOANS." Jurnal Meta-Yuridis 6, no. 1 (2023): 50–62. http://dx.doi.org/10.26877/m-y.v6i1.13688.

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Currently, there are many online loans that make it easy for people to access credit. In addition to providing convenience, online loans can also harm the public by disseminating personal data. The protection of the rights of online loan service users is considered not optimal. This study aims to find out about the misuse of technology, especially in financial technology. The research method used is a normative juridical approach, the research phase is a literature study, data collection techniques through document studies and normative qualitative data analysis. The results of the study show
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Sudiro, Amoury Adi, Aris Machmud, and Feby Nurhisyam. "Analisis Penerapan Kode Etik Penagihan pada Fintech P2p Lending dalam Perspektif Perlindungan Konsumen (Studi Kasus Layanan Pinjaman Online Adakami)." Syntax Idea 6, no. 2 (2024): 888–99. http://dx.doi.org/10.46799/syntax-idea.v6i2.3013.

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The emergence of online loan applications provides a new practical and unsecured option in accounts receivable agreements, allowing many people to use this service. However, the thing that stands out in online loans is related to the behavior of collection officers from fintech P2P Lending companies by not applying ethics and consumer protection principles such as billing cases on the AdaKami application that commit terror, intimidation and threats so that they are detrimental to consumers as users of the application. The purpose of this study is to determine the application of a billing code
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Audina Rahma, I Nyoman Putu Budiartha, and Diah Gayatri Sudibya. "Pengalihan Tanggung Jawab Pembayaran Utang Debitur Pinjaman Online kepada Ahli Waris." Jurnal Preferensi Hukum 3, no. 2 (2022): 282–86. http://dx.doi.org/10.55637/jph.3.2.4931.282-286.

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Fintech Lending or Online Loans is an electronic media-based financial loan service that facilitates lenders and loan recipients through an application or website. All financial transactions are carried out under Electronic Contracts. Often the Online Loan Contract does not include a clause regarding the risks that may occur if the loan recipient (debtor) dies before the loan (receivable) is paid off. The problems in this study is the validity of the online loan agreement and the transfer of responsibility for paying debts from online loan debtors to their heirs. This study applies a normative
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Cornellia, Riri, Anggi Oktaviani, and Hapsari Handayani. "Financial Literacy Program in Introducing Online Loan Applications to University Students." KANGMAS: Karya Ilmiah Pengabdian Masyarakat 5, no. 3 (2024): 136–44. http://dx.doi.org/10.37010/kangmas.v5i3.1771.

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The Covid-19 pandemic in 2021 impacted the increasing diversity of basic needs in society and accelerated digitalization, which has now become a lifestyle. Easy access to digital platforms for shopping, education, investment, payments, and loans has made wise financial management essential. According to data from the Financial Services Authority (OJK), the total distribution of online loans from Fintech Lending in Indonesia reached IDR 225.55 trillion in 2022, an increase of 44.6% from the previous year. Fintech simplifies loan access through peer-to-peer (P2P) lending products that are fast a
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Ratnasih, Panca Galuh, and Catur Galuh. "PERLINDUNGAN HUKUM BAGI PEMINJAM PADA FINTECH ONLINE." Indonesian Journal of Economy, Business, Entrepreneuship and Finance 4, no. 2 (2024): 456–68. https://doi.org/10.53067/ijebef.v4i2.174.

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This study is to evaluate the legality of loan agreements. Online loans, as well as the potential for legal settlement associated with the Consumer Protection Act, OJK Regulation No. 77 of 2016, The method used is Qualitative normative legal method. Normative legal research is also called doctrinal research, where law is conceptualized as what is written in laws and regulations (law in books), and research on legal systematics can be carried out on certain written regulations or laws. The results of this study are Legal protection for users of applications on Fintech-based money lending servic
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Dissertations / Theses on the topic "Online FinTech loan application"

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Wu, Wei-Han, and 吳維翰. "Influene of using online loan application on customer loyalty." Thesis, 2015. http://ndltd.ncl.edu.tw/handle/42704769358999534778.

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碩士<br>中國文化大學<br>國際企業管理學系碩士在職專班<br>103<br>In Brett King's book BANK 3.0 book, such as the cover at the outset, wrote: Bank-ing is no longer a place you go, but something you do, with the development of tech-nology in the next generation of consumer awareness, the bank has gradually by the concept of a production field, converted to ubiquitous services; today, as long as the In-ternet or communications reach, can become the bank's range of services, it has long been an indisputable fact. The main objectives of this study to explore the experience through the use of online bank customers to apply
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Books on the topic "Online FinTech loan application"

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Ferrarini, Guido, and Eugenia Macchiavello. FinTech and Alternative Finance in the CMU. Oxford University Press, 2018. http://dx.doi.org/10.1093/oso/9780198813392.003.0010.

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This chapter focuses on FinTech, which offers firms and individuals new ways for accessing alternative sources of finance. It first examines the main types of alternative finance which technology has helped to develop and could further complement the traditional markets, focusing on marketplace investing and its perspectives in Europe. It then analyzes financial return crowdfunding as an application of marketplace investing; its main business models, such as investment-based and loan-based crowdfunding; and the risks and benefits deriving from them. Next, it compares the different regulatory m
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Book chapters on the topic "Online FinTech loan application"

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Kurnianta, I. Komang Bintang, I. Made Indra Sastrawan, and I. B. Gede Agustya Mahaputra. "Legal Protection of Borrower’s Personal Data in Online Loan Application Services." In Proceedings of the 3rd International Conference on Business Law and Local Wisdom in Tourism (ICBLT 2022). Atlantis Press SARL, 2023. http://dx.doi.org/10.2991/978-2-494069-93-0_59.

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Satino, Yuliana Yuli Wahyuningsih, and Citraresmi Widoresmi Putri. "Juridical Overview of Online Loan Transactions (Fintech) Judging from Law Number 11 of 2008 About Information and Electronic Transactions." In Proceedings of the International Conference on Law Studies (INCOLS 2022). Atlantis Press SARL, 2022. http://dx.doi.org/10.2991/978-2-494069-23-7_4.

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Xie, Wangsong. "The Analysis on the Application of Machine Learning Algorithms in Risk Rating of P2P Online Loan Platforms." In Advances in Intelligent Systems and Computing. Springer Singapore, 2020. http://dx.doi.org/10.1007/978-981-33-4572-0_206.

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Arifin, Agus Zainul, Khairina Natsir, Made Setini, and Herie Darmawan. "Driving Factors for Digital Technology Innovation in Financial Markets in Indonesia." In Proceedings of the 19th International Symposium on Management (INSYMA 2022). Atlantis Press International BV, 2022. http://dx.doi.org/10.2991/978-94-6463-008-4_14.

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AbstractThis study aims to investigate the relationship between Perceived Usefulness and Perceived Risk on Intention to Use mediated by attitude on the use of Fintech with the Technology Acceptance Model (TAM) and the Theory of Planned Behavior (TPB) theoretical approaches. The testing of the model used primary data, namely by distributing online questionnaires using the google form application. The respondents were 202 banking and marketplace services users domiciled in the Greater Jakarta area (Jabodetabek). Data were collected using the non-probability sampling method data analysis using th
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Beltran, Vincent Laudato, Jeremy Linden, and Annelies Cosaert. "Developing Conservation-Focused Curriculum to Advance Analysis of Temperature and Relative Humidity Data." In Springer Proceedings in Archaeology and Heritage. Springer Nature Switzerland, 2025. https://doi.org/10.1007/978-3-031-85655-6_1.

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Abstract The collection of temperature (T) and relative humidity (RH) data is a ubiquitous component of collection management, and plays a central role in understanding the preservation state of the collection, building envelope performance, climate control system operation, and loan policies. Such insights require that the data be analyzed and interpreted, with the results effectively communicated to stakeholders with varying levels of expertise. Analysis of T and RH data often relies on the native software from sensor/data logger producers. However, there exist several conservation-focused a
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Lu, Lerong. "Fintech in Online Lending Marketplaces." In Global Fintech Revolution. Oxford University PressOxford, 2024. http://dx.doi.org/10.1093/9780191884597.003.0006.

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Abstract The Fintech case study in this chapter evaluates the alternative financing markets for smaller businesses and individual consumers, especially online P2P lending platforms. P2P lending improves the effectiveness of allocating credit resources and fosters financial equality among businesses of different sizes. The chapter considers the economic importance and financial dilemma of SMEs and illustrates the need for SMEs to have P2P lending as a vital fundraising option. It presents the online P2P lending markets in three countries with the most active loan transactions: the UK, the US, a
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Rickinghall, Manal. "Impact of Fintech on Islamic Bank Performance in Malaysia: Descriptive Study on Fintech." In Modern Management based on Big Data III. IOS Press, 2022. http://dx.doi.org/10.3233/faia220088.

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This paper aims to evaluate the impact of Islamic FinTech innovations on Malaysia’s banks’ performance by utilizing the eighteen regional commercial banks that started Islamic banking in Malaysia. The data is from 2005–2020 with four hundred and seventy observations. Multivariate regression has been used to evaluate the research questions empirically. This research is the first to statistically evaluate the Islamic fintech innovation impact on the bank’s performance in Malaysia. Furthermore, research on financial metrics is presented thoroughly for the years 2005–2020. We have contributed to t
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Singla, Babita, Kumar Shalender, and Sandhir Sharma. "Consumers' Preferences Towards Digital Payments While Online and Offline Shopping Post COVID-19." In Revolutionizing Financial Services and Markets Through FinTech and Blockchain. IGI Global, 2023. http://dx.doi.org/10.4018/978-1-6684-8624-5.ch019.

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The purpose of this study is to assess customer preferences in the digital era from online payments while shopping from omni channel retail. This study used demographic and descriptive research approach for the investigation to examine customer preferences towards digital payment. Furthermore, based on the topics discussed, personally administered survey was carried out by the researcher with the consent of the retail mall and shop managers in terms of positive or negative omni-channel sentiments application users. It has broken down numerous barriers, including political, physical, and climat
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Dhabliya, Dharmesh, Ankur Gupta, Sukhvinder Singh Dari, et al. "Utilizing Big Data Technology for Online Financial Risk Management." In Recent Developments in Financial Management and Economics. IGI Global, 2024. http://dx.doi.org/10.4018/979-8-3693-2683-1.ch011.

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The rise of cloud computing, internet of things and information technology has made big data technology a common concern for many professionals and researchers. A financial risk control model, known as the MSHDS-RS model, was creatively suggested in response to the present state of inappropriate feature data design in big data risk control technology. The concept is built on multi source heterogeneous data structure (MSHDS) and random subspace (RS). This model is novel in that it uses a normalized sparse model for feature fusion optimization to create integrated features after extracting the h
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Kotti, Jayasri, C. Naga Ganesh, R. V. Naveenan, et al. "Utilizing Big Data Technology for Online Financial Risk Management." In Artificial Intelligence Approaches to Sustainable Accounting. IGI Global, 2024. http://dx.doi.org/10.4018/979-8-3693-0847-9.ch008.

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The rise of cloud computing, internet of things, and information technology has made big data technology a common concern for many professionals and researchers. A financial risk control model, known as the MSHDS-RS model, was creatively suggested in response to the present state of inappropriate feature data design in big data risk control technology. The concept is built on multi source heterogeneous data structure (MSHDS) and random subspace (RS). This model is novel in that it uses a normalized sparse model for feature fusion optimization to create integrated features after extracting the
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Conference papers on the topic "Online FinTech loan application"

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Kurnianingrum, Dian, Okky Rizkia Yustian, Budi Supriatono Purnomo, Budi Rustandi Kartawinata, and Isma Addi Jumbri. "From Traditional Banking to Fintech: Analyzing the Evolution of Online Loan Research." In 2025 International Conference on Pervasive Computational Technologies (ICPCT). IEEE, 2025. https://doi.org/10.1109/icpct64145.2025.10939273.

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Mensorale, Opeoluwa, and Victor Odumuyiwa. "Borrowers' Loan Repayment Coefficient Prediction Using Machine Learning." In International Conference on Artificial Intelligence and Robotics. Machine Intelligence Research Group (MIRG), 2023. https://doi.org/10.52968/15064183.

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Nano loan and unsecured loans is a fast-growing trend in the Nigeria fintech space. User creditworthiness and loan default is a problem for the whole industry. Traditional credit scoring methods have limitations in assessing the creditworthiness of diverse applicants by Loan Credit officers. In most cases, businesses lose money due to high defaults in customer loans on their loan investment portfolios. The loan repayment coefficient is a measurement of how soon a user is likely to repay a loan based on the user's historical data or similar users in the same demographic data historical data. Th
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Rafael, Alfin, and Sugandi Ishak. "Analysis of Unlawful Collection Actions Regarding Online Loans from Illegal Fintech (Case Study on Decision Number 438/Pid.Sus/2020/PN.Jkt.Utr)." In 3rd Tarumanagara International Conference on the Applications of Social Sciences and Humanities (TICASH 2021). Atlantis Press, 2022. http://dx.doi.org/10.2991/assehr.k.220404.036.

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Frismanda, Agustinus Bimo Gumelar, Derry Pramono Adi, Eman Setiawan, Agung Widodo, and MY Teguh Sulistyono. "Machine Learning Performance Comparison for Toxic Speech Classification : Online Payday Loan Scams in Indonesia." In 2020 International Seminar on Application for Technology of Information and Communication (iSemantic). IEEE, 2020. http://dx.doi.org/10.1109/isemantic50169.2020.9234259.

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Laos, Ardyanus Hartony, and Ariawan Gunadi. "Analysis of Legal Protection of Borrower’s Personal Data in Online Loan Application Services (A Case Study of PT. BFI)." In 3rd Tarumanagara International Conference on the Applications of Social Sciences and Humanities (TICASH 2021). Atlantis Press, 2022. http://dx.doi.org/10.2991/assehr.k.220404.142.

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Wang, Shuoyao, and Diwei Zhu. "Interpretable Multimodal Learning for Intelligent Regulation in Online Payment Systems." In Twenty-Ninth International Joint Conference on Artificial Intelligence and Seventeenth Pacific Rim International Conference on Artificial Intelligence {IJCAI-PRICAI-20}. International Joint Conferences on Artificial Intelligence Organization, 2020. http://dx.doi.org/10.24963/ijcai.2020/645.

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With the explosive growth of transaction activities in online payment systems, effective and real-time regulation becomes a critical problem for payment service providers. Thanks to the rapid development of artificial intelligence (AI), AI-enable regulation emerges as a promising solution. One main challenge of the AI-enabled regulation is how to utilize multimedia information, i.e., multimodal signals, in Financial Technology (FinTech). Inspired by the attention mechanism in nature language processing, we propose a novel cross-modal and intra-modal attention network (CIAN) to investigate the
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Demajo, Lara Marie, Vince Vella, and Alexiei Dingli. "Explainable AI for Interpretable Credit Scoring." In 10th International Conference on Advances in Computing and Information Technology (ACITY 2020). AIRCC Publishing Corporation, 2020. http://dx.doi.org/10.5121/csit.2020.101516.

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With the ever-growing achievements in Artificial Intelligence (AI) and the recent boosted enthusiasm in Financial Technology (FinTech), applications such as credit scoring have gained substantial academic interest. Credit scoring helps financial experts make better decisions regarding whether or not to accept a loan application, such that loans with a high probability of default are not accepted. Apart from the noisy and highly imbalanced data challenges faced by such credit scoring models, recent regulations such as the `right to explanation' introduced by the General Data Protection Regulati
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Prossinger, Hermann, Nikola Geciova, Miroslav Horvath, Jakub Binter, and Eliska Cempirkova. "How the Ones in Need Solve Financial Problems in Times of Crisis? The Implication for Government Support Programs." In 10th International Conference on Human Interaction and Emerging Technologies (IHIET 2023). AHFE International, 2023. http://dx.doi.org/10.54941/ahfe1004098.

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After the COVID-19 pandemic ended the war between Ukraine and Russia resulted in further price increases and a decrease in the quality of living of many Europeans. Many groups of citizens must be able to survive on meagre resources — despite being located thousands of kilometers from the war-zone. The two most affected groups are senior citizens and single parents who oftentimes do not have sufficient savings. The government provides financial support (e.g. housing allowance) to those in need after their successfully filling out application forms and proving their crisis situations. These are
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