Fintech is a digital financial service innovation that can speed up financial inclusion in an age of ever-increasing technology progress. It turns out that even while the usage of fintech is increasing, many consumers are still unaware of or unable to utilize it appropriately. Many incidents of fintech misuse continue to occur, resulting in losses for individuals and businesses alike. To assess societal adoption of new technologies, the Technology Acceptance Model (TAM) has been established as an analytical tool. There are several studies on TAM in fintech, and the author uses a bibliometric technique to gather journal articles connected to the topic from the Dimensions website using VOSviewer in order to evaluate the data. The findings suggest that perceived usefulness and perceived ease of use have an impact on consumer choices when it comes to utilizing financial technology. Fintech service companies may utilize TAM analysis to better understand their customers' requirements and expectations. That means TAM will not only draw in new consumers, but keep current ones happy as well.

The Islamic finance industry in Indonesia is currently a global concern, one of which is financial institutions, so productivity measurement is essential for BPRS in Indonesia. This study tries to analyze the BCC model as a basic model to see the level of productivity in 92 BPRS using the Malmquist productivity index, both in terms of changes in efficiency and changes in technology during the six-year observation period (2016-2021) using the Malmquist Index. There are several findings from this study. First, the overall level of productivity in BPRS shows an increase, and it is known that changes in efficiency and technology affect the increase in productivity of BPRS. Furthermore, in the analysis of each BPRS, it is known that the productivity of the BPRS fluctuates from year to year. Second, the regional study between Java and Non-Java found that BPRS in Java has higher productivity levels than BPRS outside Java, considering that Java is the center of the Indonesian economy and the impact of high technological changes on BPRS in Java. Third, the following finding is related to the productivity of BPRS before and after the Covid-19 pandemic, which showed a decline during the Covid-19 pandemic. Still, the decline was not significant when viewed from the results of statistical tests. Then based on the analysis of the Malmquist Index quadrant, it shows that the BPRS dominates quadrant 2 with the category of high technology and low efficiency, namely back to 25 BPRS, then followed by quadrant 4 with the type of technology and low efficiency, opening 24 BPRS, next is quadrant 3 with a total of 23 BPRS and quadrant one which has the highest category reaches 20 BPRS.

SMEs are crucial to reviving the national economy in times of economic globalization and the Covid-19 pandemic. One of the tactics required to boost the competitiveness of MSMEs is to take use of efficient financing options offered by banks. This study compares the effectiveness, effectiveness, and improvement potential of BPR and BPRS in West Java and their applicability to MSMEs. Data Envelopment Analysis (DEA) is the analysis employed, and the study period is from 2016 to 2021. The banking sector in Indonesia includes BPR and BPRS. In order to successfully navigate the era of economic globalization and national economic recovery, it is critical to assess the degree to which these two banks can collaborate in the best possible way to promote increased prosperity and competitiveness of MSMEs, primarily through productive financing. In West Java, 20 BPRs and 20 BPRS served as the research samples. The information used is secondary information gleaned from each bank's annual financial reports for the years 2016 through 2021. The study's input variables are third-party money, operating costs, and fixed assets. Operating income and provided funding are additional output variables. The findings of this study demonstrate that efficiency trends for BPR and BPRS in West Java varied across the study period of 2016–2021. While BPRS saw a considerable reduction throughout the epidemic, West Java's BPR efficiency remained constant. Furthermore, in West Java, BPRs are more efficient than BPRS when comparing the two types of banks. This study also examines potential changes that could be made to programs to reduce input and output-related inefficiencies. Furthermore, the output variables, notably the financing variables offered, are generally the root of the two types of banks' most important inefficiencies. Additionally, this study makes recommendations to academics, practitioners, and regulators.

Financial institutions are one of the sectors that play a vital role in national and regional economic growth. BPR and BPRS are one of the banking financial industries that play a role in providing financial services to people with a weak economy and MSMEs, so it is necessary to accelerate improvements in BPR and BPRS. This study aims to measure the efficiency and performance of BPRs in Sumatra, see the impact of the pandemic on BPR and BPRS operations and conduct regional analysis on BPRs and BPRS in Sumatra. Using a sample of 30 BPRs and 30 BPRS in Sumatra, this study conducted observations during the 2016-2021 period. This study uses the Data Envelopment Analysis (DEA) analysis method with secondary data sourced from the financial statements of each BPR and BPRS. The input variables in this study are fixed assets, operating expenses and third-party funds. Meanwhile, the output variables of this research are the financing provided and operating income. The results of the study revealed that the average BPR and BPRS in Sumatra during the 2016 to 2021 period fluctuated. Then, in the CRS and VRS analysis, Lampung and North Sumatra regions have the highest efficiency compared to other regions. Meanwhile, during the Covid-19 pandemic, both BPRs and BPRS in Sumatra experienced a significant decrease in efficiency. This study also analyzes potential improvements to improve programs that cause inefficiencies in the input and output variables. In general, the causes of inefficiency of the two types of banks are operating income and the amount of financing provided. This study also provides recommendations to BPR-BPRS practitioners, regulators and academics as a basis for decision making in achieving optimal efficiency for future.

In the midst of economic challenges and uncertainty due to the pandemic, BPRS as part of the banking industry has a specific goal, namely to provide financial services and products to people with a weak economic level and also the MSME sector, therefore it is necessary to accelerate improvements in the Islamic rural banks (BPRS) industry. This study aims to measure the relative efficiency level of BPRS in Indonesia, see the impact of the pandemic on BPRS operations and compare the efficiency level of BPRS spread across Java and outside Java. This study uses a sample of 92 BPRS in Indonesia with an observation period from 2016 to 2021. This research method uses Data Envelopment Analysis (DEA) with secondary data sourced from the financial statements of each BPRS on the OJK official website. The input variables used include third-party funds, fixed assets and operating expenses. Meanwhile, the output variable consists of financing provided and operating income. The results showed that the average BPRS in Indonesia from the 2016-2021 period fluctuated. Then the CRS and VRS analysis found that BPRS outside Java were more efficient than BPRS spread across Java. Then, based on the trend analysis, the efficiency of BPRS in Indonesia has a fluctuating trend. Furthermore, in the efficiency analysis during the Covid-19 pandemic, there was a continuous decline in the efficiency level of the BPRS, although the decline that occurred was still small. This study also analyzes the potential improvement for program improvement that causes inefficiency of the input and output variables. And in general, the biggest cause of BPRS inefficiency comes from the output variable, namely the financing provided. This study also provides recommendations to BPR practitioners, regulators, and academics as a basis for decision making in achieving optimal efficiency and for further research