Dari Digitalisasi Menuju Internasionalisasi: Studi Mengenai Financial Technology, Konsep, dan Implementasinya

Malau, Melinda (2020) Dari Digitalisasi Menuju Internasionalisasi: Studi Mengenai Financial Technology, Konsep, dan Implementasinya. In: Bunga Rampai Karya Ilmiah Dosen “Digitalisasi dan Internasionalisasi Menuju APT Unggul dan UKI Hebat” Dies Natalis ke 67 Universitas Kristen Indonesia. UKI Press, Jakarta, pp. 227-238.

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Abstract

This study aims to analyze the advantages of financial technology in its application in an organization, the concept of financial management using financial technology, activities and transactions as a form of implementation that can support the development of financial technology, and inhibiting factors in the application of financial technology. This paper uses descriptive, analytic, qualitative methods, and is complemented by literature studies. Researcher describes the facts and developments of financial technology in Indonesia. This research also uses data collection techniques with documents. The study was continued with a literature study on activities and transactions in organizations that can support the development of financial technology. At the end of the study, an analysis of the inhibiting factors of financial technology was carried out in its application. The results of this study provide information and evidence about the advantages of financial technology that simplifies financial services and improves people's lives. Financial management involves payment, savings and funding transactions. Activities and transactions need to be optimized in order to support the development of financial technology. Obstacle factors certainly need to be anticipated and corrected from the unpreparedness of infrastructure, technology, and costs. The implication of this research is the importance of the role of the regulator in the supervision of financial technology implemented in Indonesia. The high quality of a company is not only determined by accounting policies or internal company factors, but also needs to be adaptive in technological developments that are implemented effectively and efficiently. Keywords: financial technology, digitalization, internationalization

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