The Impact of Financial Technology Development and the Indonesian Government Regulation

Kennedy, Posma Sariguna Johnson (2019) The Impact of Financial Technology Development and the Indonesian Government Regulation. In: Perspectives In Finance. AkiNik Publications, Delhi, pp. 55-79. ISBN 978 93 5335 574 6

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Abstract

This study wants to see the need for modern financial services thatemerge through financial technology (fintech) as an opportunity andchallenge. Besides that, the impact of the presence of financial technology orfintech phenomena in Indonesia is also to be reviewed. The method used inthis study is a qualitative study, through discussion and information directlyfrom informants by interviewing various parties involved. Also carried out aliterature review from various library sources, especially from the FinancialServices Authority (OJK), Bank Indonesia and Bank Mandiri. Disruption ofinnovation in the financial services industry cannot be avoided by bankingplayers. The development of fintech in Indonesia is still in its early stages,many enterprises have not been touched, and many opportunities have notbeen explored maximally. Collaboration is needed to jointly develop fintechin Indonesia, both by incumbent players, new fintech players and regulatorsfor mutual benefit.

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