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Perkembangan FinTech Terhadap Crowdfunding dan Blockchain di era Disrupsi 4.0
Corresponding Author(s) : ihya syihabul fadli
Jurnal MENTARI: Manajemen, Pendidikan dan Teknologi Informasi,
Vol. 1 No. 1 (2022): September
Abstract
Berdasarkan tinjauan ilmiah tentang panduan berpengaruh di antara 402 makalah yang terpublikasi antara 2014 hingga 2022, makalah ini mengidentifikasi kesenjangan dalam studi Ekonomi dan Keuangan terkait program FinTech: Crowdfunding dan Blockchain dengan menggunakan Systematic Mapping Study (SMS). Tujuan dari penelitian ini adalah untuk mengetahui topik Financial Technology dan perkembangan FinTech. Menganalisis statistik tersebut menunjukkan bahwa: studi modern tentang FinTech terfragmentasi dengan landasan teoretis yang terkendali, crowdfunding dan Blockchain mungkin tampak sebagai perbaikan yang dapat mengganggu intermediasi ekonomi konvensional namun dengan cara yang berbeda, penggantian sistem crowdfunding untuk perantara ekonomi konvensional dan berfungsi sebagai perantara baru, tanpa menghilangkan keinginan untuk perantara, seperti crowdfunding, Blockchain juga menciptakan perantara baru, dan kesepakatan dengan detail yang melekat pada Blockchain memungkinkan Blockchain untuk menghilangkan kebutuhan perantara di beberapa wilayah ekonomi tetapi sekarang tidak semua.
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- R. Dwi Pambudi, “PERKEMBANGAN FINTECH DI KALANGAN MAHASISWA UIN WALISONGO,” 2019. [Online]. Available: http://journal.unnes.ac.id/sju/index.php/harmony
- “ANALISIS PENGARUH PERKEMBANGAN FINTECH DAN E-COMMERCE TERHADAP”.
- A. Wilamowicz, “The great FinTech disruption: InsurTech,” Banking & Finance Law Review, vol. 34, no. 2, pp. 215–238, 2019.
- F. Giglio, “Fintech: A literature review,” European Research Studies Journal, vol. 24, no. 2B, pp. 600–627, 2021.
- S. Palinggi and L. R. Allolinggi, “Analisa Deskriptif Industri Fintech di Indonesia: Regulasi dan Keamanan Jaringan dalam Perspektif Teknologi Digital,” Ekonomi Dan Bisnis UPNVJ, vol. 6, no. 2, pp. 177–192, 2019.
- S. Lestari, W. S. Siregar, and N. M. Ayla, “-PENGARUH FINTECH TERHADAP KINERJA KEUANGAN PERBANKAN SYARIAH,” Islamic Circle, vol. 2, no. 2, pp. 12–21, 2021.
- M. A. SITINJAK, “PERAN OTORITAS JASA KEUANGAN (OJK) DALAM MEMBERIKAN PERLINDUNGAN HUKUM TERHADAP PENERIMA PINJAMAN ONLINE,” 2022.
- D. D. Setiani, H. Nivanty, W. Lutfiah, and L. Rahmawati, “Fintech syariah: manfaat dan problematika penerapan pada UMKM,” Jurnal Masharif Al-Syariah: Jurnal Ekonomi Dan Perbankan Syariah, vol. 5, no. 1, 2020.
- F. Rachmaniyah and A. Y. Nugroho, “Fenomena perkembangan crowdfunding di Indonesia,” Ekonika, vol. 4, no. 1, 2019.
- M. K. Linnenluecke, M. Marrone, and A. K. Singh, “Conducting systematic literature reviews and bibliometric analyses,” Australian Journal of Management, vol. 45, no. 2, pp. 175–194, 2020.
- S. Saeed, N. Z. Jhanjhi, M. Naqvi, N. A. Malik, and M. Humayun, “Disparage the Barriers of Journal Citation Reports (JCR),” IJCSNS, vol. 19, no. 5, p. 156, 2019.
- B. Raharjo, “Fintech Teknologi Finansial Perbankan Digital,” Penerbit Yayasan Prima Agus Teknik, pp. 1–299, 2021.
- Q. Aini, N. Lutfiani, N. P. L. Santoso, S. Sulistiawati, and E. Astriyani, “Blockchain For Education Purpose: Essential Topology,” Aptisi Transactions on Management (ATM), vol. 5, no. 2, pp. 112–120, 2021, doi: 10.33050/atm.v5i2.1506.
- C. W. Cai, “Disruption of financial intermediation by FinTech: a review on crowdfunding and blockchain,” Accounting & Finance, vol. 58, no. 4, pp. 965–992, 2018.
- Q. Aini, U. Rahardja, N. P. L. Santoso, and A. Oktariyani, “Aplikasi Berbasis Blockchain dalam Dunia Pendidikan dengan Metode Systematics Review,” CESS (Journal of Computer Engineering, System and Science), vol. 6, no. 1, p. 58, 2021, doi: 10.24114/cess.v6i1.20107.
- U. G. M. Press, Pemikiran Guru Besar Universitas Gadjah Mada Menuju Indonesia Maju 2045: Bidang Sains dan Teknologi. UGM PRESS, 2021.
- S. H. Fithriatus Shalihah et al., “EQUITY CROWDFUNDING DI INDONESIA”.
- L. Schätzlein, D. Schlütter, and R. Hahn, “Managing the external financing constraints of social enterprises: A systematic review of a diversified research landscape,” International Journal of Management Reviews, 2022.
- W. Chen, “A systematic literature review of reward-based crowdfunding,” Developments in Entrepreneurial Finance and Technology, pp. 146–181, 2022.
- P. Konhäusner and R. Seidentopf, “Digital Marketing Effects of Clubhouse on Crowdfunding in the Context of COVID-19,” Journal of Risk and Financial Management, vol. 14, no. 8, p. 347, 2021.
- A. G. Prawiyogi, Q. Aini, N. P. L. Santoso, N. Lutfiani, and H. L. J. Juniar, “Blockchain Education Concept 4.0: Student-Centered iLearning Blockchain Framework,” JTP - Jurnal Teknologi Pendidikan, vol. 23, no. 2, pp. 129–145, 2021, doi: 10.21009/jtp.v23i2.20978.
- H. Setiawan and K. Rahayu, Masa Depan Uang Digital di Indonesia Pasca KTT G 20. Penerbit NEM, 2022.
- Q. Aini, U. Rahardja, and A. Khoirunisa, “Blockchain Technology into Gamification on Education,” IJCCS (Indonesian Journal of Computing and Cybernetics Systems), vol. 14, no. 2, p. 147, 2020, doi: 10.22146/ijccs.53221.
- P. Bains, Blockchain consensus mechanisms: A primer for supervisors. International Monetary Fund, 2022.
- M. Laboure and N. Deffrennes, Democratizing Finance: The Radical Promise of Fintech. Harvard University Press, 2022.
- A. Dudhat, N. P. Lestari Santoso, Henderi, S. Santoso, and R. Setiawati, “Blockchain in Indonesia University: A Design Viewboard of Digital Technology Education,” Aptisi Transactions on Technopreneurship (ATT), vol. 3, no. 1, pp. 68–80, 2021, doi: 10.34306/att.v3i1.146.
- T. Hendershott, X. Zhang, J. L. Zhao, and Z. Zheng, “FinTech as a game changer: Overview of research frontiers,” Information Systems Research, vol. 32, no. 1, pp. 1–17, 2021.
- C. I. M. Z. Nafi’Hasbi and M. S. Al Farisi, “PERBANKAN TENTANG ICT: RELEVANSI PENYELESAIAN SENGKETA ONLINE DALAM INDUSTRI PERBANKAN SYARIAH DI INDONESIA,” Fintech dalam Keuangan Islam: Teori dan Praktik, 2022.
- A. T. R. C. Yudha, Fintech Syariah dalam Sistem Industri Halal: Teori dan Praktik. Syiah Kuala University Press, 2021.
- R. Gupta, Reward and donation crowdfunding: A complete guide for emerging startups. Notion Press, 2018.
- H. Fattah et al., Fintech dalam Keuangan Islam: Teori dan Praktik. Publica Indonesia Utama, 2022.
References
R. Dwi Pambudi, “PERKEMBANGAN FINTECH DI KALANGAN MAHASISWA UIN WALISONGO,” 2019. [Online]. Available: http://journal.unnes.ac.id/sju/index.php/harmony
“ANALISIS PENGARUH PERKEMBANGAN FINTECH DAN E-COMMERCE TERHADAP”.
A. Wilamowicz, “The great FinTech disruption: InsurTech,” Banking & Finance Law Review, vol. 34, no. 2, pp. 215–238, 2019.
F. Giglio, “Fintech: A literature review,” European Research Studies Journal, vol. 24, no. 2B, pp. 600–627, 2021.
S. Palinggi and L. R. Allolinggi, “Analisa Deskriptif Industri Fintech di Indonesia: Regulasi dan Keamanan Jaringan dalam Perspektif Teknologi Digital,” Ekonomi Dan Bisnis UPNVJ, vol. 6, no. 2, pp. 177–192, 2019.
S. Lestari, W. S. Siregar, and N. M. Ayla, “-PENGARUH FINTECH TERHADAP KINERJA KEUANGAN PERBANKAN SYARIAH,” Islamic Circle, vol. 2, no. 2, pp. 12–21, 2021.
M. A. SITINJAK, “PERAN OTORITAS JASA KEUANGAN (OJK) DALAM MEMBERIKAN PERLINDUNGAN HUKUM TERHADAP PENERIMA PINJAMAN ONLINE,” 2022.
D. D. Setiani, H. Nivanty, W. Lutfiah, and L. Rahmawati, “Fintech syariah: manfaat dan problematika penerapan pada UMKM,” Jurnal Masharif Al-Syariah: Jurnal Ekonomi Dan Perbankan Syariah, vol. 5, no. 1, 2020.
F. Rachmaniyah and A. Y. Nugroho, “Fenomena perkembangan crowdfunding di Indonesia,” Ekonika, vol. 4, no. 1, 2019.
M. K. Linnenluecke, M. Marrone, and A. K. Singh, “Conducting systematic literature reviews and bibliometric analyses,” Australian Journal of Management, vol. 45, no. 2, pp. 175–194, 2020.
S. Saeed, N. Z. Jhanjhi, M. Naqvi, N. A. Malik, and M. Humayun, “Disparage the Barriers of Journal Citation Reports (JCR),” IJCSNS, vol. 19, no. 5, p. 156, 2019.
B. Raharjo, “Fintech Teknologi Finansial Perbankan Digital,” Penerbit Yayasan Prima Agus Teknik, pp. 1–299, 2021.
Q. Aini, N. Lutfiani, N. P. L. Santoso, S. Sulistiawati, and E. Astriyani, “Blockchain For Education Purpose: Essential Topology,” Aptisi Transactions on Management (ATM), vol. 5, no. 2, pp. 112–120, 2021, doi: 10.33050/atm.v5i2.1506.
C. W. Cai, “Disruption of financial intermediation by FinTech: a review on crowdfunding and blockchain,” Accounting & Finance, vol. 58, no. 4, pp. 965–992, 2018.
Q. Aini, U. Rahardja, N. P. L. Santoso, and A. Oktariyani, “Aplikasi Berbasis Blockchain dalam Dunia Pendidikan dengan Metode Systematics Review,” CESS (Journal of Computer Engineering, System and Science), vol. 6, no. 1, p. 58, 2021, doi: 10.24114/cess.v6i1.20107.
U. G. M. Press, Pemikiran Guru Besar Universitas Gadjah Mada Menuju Indonesia Maju 2045: Bidang Sains dan Teknologi. UGM PRESS, 2021.
S. H. Fithriatus Shalihah et al., “EQUITY CROWDFUNDING DI INDONESIA”.
L. Schätzlein, D. Schlütter, and R. Hahn, “Managing the external financing constraints of social enterprises: A systematic review of a diversified research landscape,” International Journal of Management Reviews, 2022.
W. Chen, “A systematic literature review of reward-based crowdfunding,” Developments in Entrepreneurial Finance and Technology, pp. 146–181, 2022.
P. Konhäusner and R. Seidentopf, “Digital Marketing Effects of Clubhouse on Crowdfunding in the Context of COVID-19,” Journal of Risk and Financial Management, vol. 14, no. 8, p. 347, 2021.
A. G. Prawiyogi, Q. Aini, N. P. L. Santoso, N. Lutfiani, and H. L. J. Juniar, “Blockchain Education Concept 4.0: Student-Centered iLearning Blockchain Framework,” JTP - Jurnal Teknologi Pendidikan, vol. 23, no. 2, pp. 129–145, 2021, doi: 10.21009/jtp.v23i2.20978.
H. Setiawan and K. Rahayu, Masa Depan Uang Digital di Indonesia Pasca KTT G 20. Penerbit NEM, 2022.
Q. Aini, U. Rahardja, and A. Khoirunisa, “Blockchain Technology into Gamification on Education,” IJCCS (Indonesian Journal of Computing and Cybernetics Systems), vol. 14, no. 2, p. 147, 2020, doi: 10.22146/ijccs.53221.
P. Bains, Blockchain consensus mechanisms: A primer for supervisors. International Monetary Fund, 2022.
M. Laboure and N. Deffrennes, Democratizing Finance: The Radical Promise of Fintech. Harvard University Press, 2022.
A. Dudhat, N. P. Lestari Santoso, Henderi, S. Santoso, and R. Setiawati, “Blockchain in Indonesia University: A Design Viewboard of Digital Technology Education,” Aptisi Transactions on Technopreneurship (ATT), vol. 3, no. 1, pp. 68–80, 2021, doi: 10.34306/att.v3i1.146.
T. Hendershott, X. Zhang, J. L. Zhao, and Z. Zheng, “FinTech as a game changer: Overview of research frontiers,” Information Systems Research, vol. 32, no. 1, pp. 1–17, 2021.
C. I. M. Z. Nafi’Hasbi and M. S. Al Farisi, “PERBANKAN TENTANG ICT: RELEVANSI PENYELESAIAN SENGKETA ONLINE DALAM INDUSTRI PERBANKAN SYARIAH DI INDONESIA,” Fintech dalam Keuangan Islam: Teori dan Praktik, 2022.
A. T. R. C. Yudha, Fintech Syariah dalam Sistem Industri Halal: Teori dan Praktik. Syiah Kuala University Press, 2021.
R. Gupta, Reward and donation crowdfunding: A complete guide for emerging startups. Notion Press, 2018.
H. Fattah et al., Fintech dalam Keuangan Islam: Teori dan Praktik. Publica Indonesia Utama, 2022.