Potensi Sinergitas Fintech Dengan Bank Syariah Dalam Meningkatkan Kinerja Perbankan Syariah Di Indonesia

Fajria, Rola Nurul

doi:10.21043/malia.v3i2.8450

Cited by 2 publications

(3 citation statements)

References 0 publications

Supporting

Mentioning

Contrasting

Order By: Relevance

“…In the past, banking services were carried out in the conventional way, namely face-to-face services where customers had to come to the bank office. However, with advances in technology and internet access, customers can make financial or non-financial transactions anywhere and anytime (Fajria, 2019).…”

Section: Introductionmentioning

confidence: 99%

Digital Finance Adoption Strategy in Sharia BPR

Hasibuan,

Rinawati,

Harno

2023

JHSSB

View full text Add to dashboard Cite

The emergence of Financial Technology has not only transformed conventional banking businesses but also Islamic banking. This is evident from the increasing collaborations between Islamic banks and Fintech companies. The purpose of this research is to examine the relationship between perceived risk, perceived benefits, financial literacy, and the intention to adopt digital finance in the Islamic banking sector. The study was conducted using a correlational research design and data were collected from 85 customers of Islamic banks through questionnaires. The data were analyzed using multiple linear regression analysis. The findings indicate that perceived risk has no significant influence on the intention to adopt digital finance in Islamic banking. On the other hand, perceived benefits and financial literacy have a significant positive influence on the intention to adopt digital finance in the Islamic banking sector.

show abstract

Section: Introductionmentioning

confidence: 99%

Digital Finance Adoption Strategy in Sharia BPR

Hasibuan,

Rinawati,

Harno

2023

JHSSB

View full text Add to dashboard Cite

show abstract

“…With the disconnection of the livelihood and to meet daily needs, some people borrow money through Financial Technology or fintech. According to the International Organization of Securities Commissions (IOSCO) (Salsabila, 2020), fintech is used as a picture of various forms of innovative business in utilizing technological sophistication to transform the financial services industry (Fajria, 2019). And the basic forms of fintech include Payments (digital wallets, P2P payments), investment (equity crowdfunding, Peer to Peer Lending), financing (crowdfunding, microloans, credit facilities), insurance (risk management), cross-process (big data analysis, predictive modeling), infrastructure (security).…”

Section: Introductionmentioning

confidence: 99%

“…In this new era of industrial revolution 4.0, financial technology should be one of the developments that can make it easier for humans to synergize with the digital world (Fajria, 2019). But in the case of fintech in Indonesia, illegal fintech comes into play in such a crisis, the lure of ease in borrowing money is not proportional to the interest given.…”

Section: Introductionmentioning

confidence: 99%

Criminal & Civil Liability Related to Misuse of Illegal Fintech Customer Data During The Covid-19 Pandemic

Wijaya

Herwastoeti

2022

Audit. Comp. Law J

View full text Add to dashboard Cite

The covid-19 outbreak that swept across the world has caused a crisis in the economic sector, where physical distancing policies affect the world of trade and tourism. The bankruptcy of companies, hotels, and small and medium-sized micro-enterprises resulted in massive job cuts. Therefore, many people lose their livelihoods and borrow money to meet their daily needs. Financial technology is an advancement of the times in the industrial era 4.0, as a form of convenience in financial services of tempted communities and applying for loans to financial technology. However, instead of getting a financial solution, what happens is the opposite. Where the public is even entangled in the existence of illegal financial technology and there is a misuse of their personal data. It is true that there is an agreement that allows the debtor to access the personal data of the creditor, but whether with it immediately the debtor can misuse the customer's personal data. Therefore, in this study, the author is interested in reviewing how criminal and civil liability related to the emergence of illegal financial technology agreements during the Covid-19 pandemic. The research methods used are normative juridical with statute approach and comparative approach, as well as qualitatively described legal material analysis. The result obtained is, illegal fintech e-agreements do not meet the subjective and objective requirements of the agreement and are related to the misuse of customer data, which can be held criminally accountable are fintech law bodies and debt collectors.

show abstract

Potensi Sinergitas Fintech Dengan Bank Syariah Dalam Meningkatkan Kinerja Perbankan Syariah Di Indonesia

Cited by 2 publications

References 0 publications

Digital Finance Adoption Strategy in Sharia BPR

Digital Finance Adoption Strategy in Sharia BPR

Criminal & Civil Liability Related to Misuse of Illegal Fintech Customer Data During The Covid-19 Pandemic

Contact Info

Product

Resources

About