PERAN FINANCIAL TECHNOLOGY DALAM MENINGKATKAN INKLUSI KEUANGAN DI INDONESIA: SYSTEMATIC LITERATURE REVIEW

Abstract

The rapid development of digital technology has transformed the financial sector through the emergence of Financial Technology (FinTech). In Indonesia, FinTech has become one of the key innovations in promoting financial inclusion, particularly for communities with limited access to formal financial services. This study aims to analyze the role of Financial Technology in improving financial inclusion in Indonesia using a Systematic Literature Review (SLR) approach. The study was conducted by identifying, selecting, and analyzing scientific articles published between 2020 and 2025 from databases such as Google Scholar, Garuda, and Scopus. The findings indicate that FinTech contributes to expanding access to financial services, improving transaction efficiency, supporting the growth of Micro, Small, and Medium Enterprises (MSMEs) through digital financing, and enhancing financial literacy and inclusion. However, several challenges remain, including low digital literacy, cybersecurity risks, personal data protection issues, and unequal internet access across regions. Therefore, collaboration among the government, regulators, FinTech providers, and society is essential to establish a secure, inclusive, and sustainable digital financial ecosystem.