Strategi Sukses dalam Inovasi Fintech: Kajian Sistematis terhadap Model Bisnis dan Teknologi Terbaru
Success Strategies in Fintech Innovation: A Systematic Review of New Business Models and Technologies
Abstract
Penelitian ini menganalisis strategi sukses dalam inovasi fintech dengan fokus pada model bisnis dan teknologi terbaru yang mendukung pertumbuhan industri keuangan digital. Menggunakan pendekatan Systematic Literature Review (SLR), penelitian ini menyaring 185 studi akademik dan memilih 25 artikel relevan melalui seleksi PRISMA. Hasilnya menunjukkan bahwa keberhasilan fintech dipengaruhi oleh inovasi teknologi seperti AI, Blockchain, Big Data, dan Cloud Computing, serta model bisnis seperti digital payment, neobanks, dan P2P lending. Regulasi yang fleksibel, seperti regulatory sandbox, mendukung inovasi startup, sementara regulasi yang ketat dapat menghambat. Keamanan data dan kepercayaan pengguna juga menjadi faktor penting dalam adopsi fintech, dengan transparansi dan perlindungan konsumen yang harus diperkuat. Meskipun fintech telah mengubah lanskap industri keuangan global, tantangan dalam regulasi, keamanan, dan edukasi pengguna masih ada. Penelitian ini menekankan pentingnya kolaborasi antara fintech, bank tradisional, regulator, dan investor untuk menciptakan ekosistem fintech yang berkelanjutan, serta memberikan implikasi akademik dan praktis bagi kebijakan yang mendukung pertumbuhan industri keuangan digital di masa depan
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