Taksonomi Fintech: Klasifikasi dan Implikasi Teknologi Finansial di Era Digital

Muhammad Khoiruddin Harahap; Irma Hariyanti; Yus Epi; Syarifah Fadillah Natasya; Evan Afri

doi:10.54209/jasmien.v3i03.518

Muhammad Khoiruddin Harahap Politeknik Ganesha Medan
Irma Hariyanti Politeknik Ganesha Medan
Yus Epi Politeknik Ganesha Medan
Syarifah Fadillah Natasya Politeknik Ganesha Medan
Evan Afri Politeknik Ganesha Medan

DOI: https://doi.org/10.54209/jasmien.v3i03.518

Keywords: Fintech, Taksonomi Bloom, Aplikasi Pembayaran Digital, Peer-to-Peer Lending, Blockchain, Evaluasi Efisiensi, Inovasi Teknologi, Inklusi Keuangan, Keamanan Fintech, Model Bisnis Inovatif.

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Abstract

Penelitian ini bertujuan untuk memberikan pandangan komprehensif dan terstruktur tentang ekosistem fintech melalui pendekatan taksonomi berbasis Taksonomi Bloom Revisi 2001. Penelitian ini mengidentifikasi dan mengklasifikasikan berbagai jenis fintech, termasuk aplikasi pembayaran digital, peer-to-peer lending, dan teknologi blockchain. Pendekatan taksonomi ini membantu dalam memahami konsep dan teknologi yang digunakan dalam fintech, memfasilitasi adopsi dan aplikasi praktis. Analisis hubungan dan dampak fintech terhadap ekosistem keuangan, seperti regulasi, inovasi teknologi, dan adopsi oleh pengguna, memberikan wawasan yang mendalam. Evaluasi efektivitas dan efisiensi berbagai jenis fintech mengungkapkan aspek keamanan, kemudahan penggunaan, dan biaya transaksi, yang menjadi dasar rekomendasi perbaikan. Penelitian ini juga mendorong penciptaan solusi baru dan inovatif dalam fintech, seperti strategi keamanan baru dan model bisnis inovatif. Hasil penelitian ini menawarkan wawasan dan solusi praktis yang dapat diterapkan untuk meningkatkan kualitas dan inklusi keuangan di era digital.

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