The Emergence of Fintech in Higher Education Curriculum
Corresponding Author(s) : Efa Ayu Nabila
Startupreneur Business Digital (SABDA Journal),
Vol. 1 No. 1 (2022): Startupreneur Business Digital (SABDA)
Abstract
The digital revolution in economic sectors such as e-commerce and financial technology has affected various industries, one of which is the financial industry in various parts of the world. Conventional finance in the industrial era 4.0 is being challenged by the existence of fintech as an innovation in various financial sectors. Employment opportunities are wider with fintech than conventional ones. However, this digital finance requires human resources to support it. The university acts as a competent and competitive human resource maker in the financial sector by incorporating fintech into its curriculum. Sharia fintech also needs to be applied to the curriculum of a university. Islamic universities are also able to implement fintech in their curriculum. The method used in this study uses a literature review method with evaluation results from the application of fintech at the University. The original proposition in this study incorporates hypothetical commitments in regards to monetary innovation. Utilizing the methodical writing audit approach of Kitchenham, notwithstanding topical investigation, meta-examination and perception to approve the nature of writing and investigation, the consequences of this study give a hypothetical premise fintech research from a data frameworks point of view, including the plan of fintech innovation ideas and their turn of events.
Keywords
Download Citation
Endnote/Zotero/Mendeley (RIS)BibTeX
- M. Blaschke, K. Haki, S. Aier, and R. Winter, “Capabilities for digital platform survival: Insights from a business-to-business digital platform,” 2018.
- P. K. Senyo, K. Liu, and J. Effah, “Digital business ecosystem: Literature review and a framework for future research,” Int. J. Inf. Manage., vol. 47, pp. 52–64, 2019.
- L. H. Melnyk, O. M. Derykolenko, O. V. Kubatko, and O. M. Matsenko, “Business models of reproduction cycles for digital economy.” CEUR-WS, 2019.
- Y. Zhu, V. L. Wang, Y. J. Wang, and J. Nastos, “Business-to-business referral as digital coopetition strategy: Insights from an industry-wise digital business network,” Eur. J. Mark., 2020.
- M. Kamil, U. Rahardja, P. A. Sunarya, Q. Aini, and N. P. L. Santoso, “Socio-Economic Perspective: Mitigate Covid-19 Impact on Education,” in 2020 Fifth International Conference on Informatics and Computing (ICIC), 2020, pp. 1–7, doi: 10.1109/ICIC50835.2020.9288577.
- G. Bressanelli, F. Adrodegari, M. Perona, and N. Saccani, “Exploring how usage-focused business models enable circular economy through digital technologies,” Sustainability, vol. 10, no. 3, p. 639, 2018.
- S. Yablonsky, “A multidimensional framework for digital platform innovation and management: from business to technological platforms,” Syst. Res. Behav. Sci., vol. 35, no. 4, pp. 485–501, 2018.
- S. Mishra and A. R. Tripathi, “Platform business model on state-of-the-art business learning use case,” Int. J. Financ. Eng., vol. 7, no. 02, p. 2050015, 2020.
- M. A. Pratama, “Pengendalian Inflasi yang Berbasis Finansial Teknologi (Fintech), Inklusi Keuangan dan Kebijakan Makroprudensial di D-8 Negara Berkembang,” Kumpul. Karya Ilm. Mhs. Fak. Sos. Sains, vol. 2, no. 02, 2021.
- H. T. Sukmana, T. Hariguna, N. Lutfiani, and U. Rahardja, “Exploring the moderating effect of technology readiness of user intention in the context of mobile payment service,” Int. J. Adv. Trends Comput. Sci. Eng., vol. 8, no. 1.5 Special Issue, pp. 249–257, 2019, doi: 10.30534/ijatcse/2019/4481.52019.
- N. Lutfiani, U. Rahardja, and I. S. P. Manik, “Peran Inkubator Bisnis dalam Membangun Startup pada Perguruan Tinggi,” J. Penelitan Ekon. dan Bisnis, vol. 5, no. 1, pp. 77–89, 2020.
- C. Watanabe, N. Naveed, and P. Neittaanmäki, “Digital solutions transform the forest-based bioeconomy into a digital platform industry-A suggestion for a disruptive business model in the digital economy,” Technol. Soc., vol. 54, pp. 168–188, 2018.
- U. Rahardja, A. N. Hidayanto, T. Hariguna, and Q. Aini, “Design Framework on Tertiary Education System in Indonesia Using Blockchain Technology,” 2019 7th Int. Conf. Cyber IT Serv. Manag. CITSM 2019, pp. 5–8, 2019, doi: 10.1109/CITSM47753.2019.8965380.
- Sudaryono, U. Rahardja, and N. Lutfiani, “The Strategy of Improving Project Management Using Indicator Measurement Factor Analysis (IMF) Method,” in Journal of Physics: Conference Series, 2020, vol. 1477, no. 3, doi: 10.1088/1742-6596/1477/3/032023.
- M. K. Gharaibeh, M. R. M. Arshad, and N. K. Gharaibh, “Using the UTAUT2 Model to Determine Factors Affecting Adoption of Mobile Banking Services: A Qualitative Approach.,” Int. J. Interact. Mob. Technol., vol. 12, no. 4, 2018.
- D. J. Teece, “Dynamic capabilities and (digital) platform lifecycles,” in Entrepreneurship, innovation, and platforms, Emerald Publishing Limited, 2017.
- P. A. Sunarya, Q. Aini, A. S. Bein, and P. Nursaputri, “The Implementation Of Viewboard Of The Head Of Department As A Media For Student Information Is Worth Doing Final Research,” ITSDI J. Ed. Vol. 1 No. 1 Oct. 2019, p. 18, 2019.
- A. Purbasari, G. P. Maryono, F. Mulyanto, and W. Gusdya, “Utilization of Google My Business as a Tourism Promotion Media Using Local Search Engine Optimization,” IAIC Trans. Sustain. Digit. Innov., vol. 2, no. 2, pp. 169–178, 2021.
- E. S. Aisyah, M. Maimunah, and A. Martono, “Effectiveness of Book Closing Using Web Based Accounting Online System 2.0 to Know the Company’s Financial Ratios,” Aptisi Trans. Manag., vol. 1, no. 1, pp. 56–60, 2017.
- C. Lukita, M. Hatta, E. P. Harahap, and U. Rahardja, “Crowd funding management platform based on block chain technology using smart contracts,” J. Adv. Res. Dyn. Control Syst., vol. 12, no. 2, 2020, doi: 10.5373/JARDCS/V12I2/S20201236.
- I. Atikah, “Consumer Protection And Fintech Companies In Indonesia: Innovations And Challenges Of The Financial Services Authority,” J. Huk. dan Peradil., vol. 9, no. 1, pp. 132–153, 2020.
- E. S. Pramono, D. Rudianto, F. Siboro, M. P. A. Baqi, and D. Julianingsih, “Analysis Investor Index Indonesia with Capital Asset Pricing Model (CAPM),” Aptisi Trans. Technopreneursh., vol. 4, no. 1, pp. 36–47, 2022.
- E. Febriyanto and R. S. Naufal, “Attitude Competency Assessment in the 2013 Curriculum Based On Elementary School Prototyping Methods,” IAIC Trans. Sustain. Digit. Innov., vol. 1, no. 1, pp. 87–96, 2019.
- U. Rahardja, N. Lutfiani, A. S. Rafika, and E. P. Harahap, “Determinants of Lecturer Performance to Enhance Accreditation in Higher Education,” in 2020 8th International Conference on Cyber and IT Service Management (CITSM), 2020, pp. 1–7, doi: 10.1109/CITSM50537.2020.9268871.
- L. Chandra, Amroni, B. Frizca, Q. Aini, and U. Rahardja, “Utilization Of Blockchain Decentralized System In Repairing Management Of Certificate Issuance System,” J. Adv. Res. Dyn. Control Syst., vol. 12, no. 2, pp. 1922–1927, 2020, doi: 10.5373/JARDCS/V12I2/S20201235.
- R. J. Sipahutar, A. N. Hidayanto, U. Rahardja, and K. Phusavat, “Drivers and Barriers to IT Service Management Adoption in Indonesian Start-up Based on the Diffusion of Innovation Theory,” in 2020 Fifth International Conference on Informatics and Computing (ICIC), 2020, pp. 1–8.
- M. I. Nur Azizah, PO Abas Sunarya, Efa Ayu Nabila, Andhika Dwi Putra, “Ilearning Curriculum Of Information System Major Using OBE Methods,” IJAST, vol. 29, no. 11, 2020.
- Q. Aini, U. Rahardja, I. Handayani, M. Hardini, and A. Ali, “Utilization of google spreadsheets as activity information media at the official site alphabet incubator,” Proc. Int. Conf. Ind. Eng. Oper. Manag., no. 7, pp. 1330–1341, 2019.
- F.-J. Lin and C. Lai, “Key factors affecting technological capabilities in small and medium-sized Enterprises in Taiwan,” Int. Entrep. Manag. J., vol. 17, no. 1, pp. 131–143, 2021.
- L. Sharma, “Entrepreneurial intentions and perceived barriers to entrepreneurship among youth in Uttarakhand state of India: A cross-cultural investigation across genders,” Int. J. Gend. Entrep., 2018.
- I. M. Nasution, B. P. K. Bintaro, C. S. Kesumawati, M. Zahruddin, and E. A. Nabila, “Implementation Technology for Development of a Brand Communication in Company PT. XYZ,” Aptisi Trans. Technopreneursh., vol. 4, no. 1, pp. 17–25, 2022.
- G. N. M. Nata, S. Anthony, and P. P. Yudiastra, “Knowledge Discovery And Virtual Tour To Support Tourism Promotion,” IAIC Trans. Sustain. Digit. Innov., vol. 2, no. 2, pp. 94–106, 2021.
- T. Ayuninggati and E. P. Harahap, “Supply Chain Management, Certificate Management at the Transportation Layer Security in Charge of Security,” Blockchain Front. Technol., vol. 1, no. 01, pp. 1–12, 2021.
References
M. Blaschke, K. Haki, S. Aier, and R. Winter, “Capabilities for digital platform survival: Insights from a business-to-business digital platform,” 2018.
P. K. Senyo, K. Liu, and J. Effah, “Digital business ecosystem: Literature review and a framework for future research,” Int. J. Inf. Manage., vol. 47, pp. 52–64, 2019.
L. H. Melnyk, O. M. Derykolenko, O. V. Kubatko, and O. M. Matsenko, “Business models of reproduction cycles for digital economy.” CEUR-WS, 2019.
Y. Zhu, V. L. Wang, Y. J. Wang, and J. Nastos, “Business-to-business referral as digital coopetition strategy: Insights from an industry-wise digital business network,” Eur. J. Mark., 2020.
M. Kamil, U. Rahardja, P. A. Sunarya, Q. Aini, and N. P. L. Santoso, “Socio-Economic Perspective: Mitigate Covid-19 Impact on Education,” in 2020 Fifth International Conference on Informatics and Computing (ICIC), 2020, pp. 1–7, doi: 10.1109/ICIC50835.2020.9288577.
G. Bressanelli, F. Adrodegari, M. Perona, and N. Saccani, “Exploring how usage-focused business models enable circular economy through digital technologies,” Sustainability, vol. 10, no. 3, p. 639, 2018.
S. Yablonsky, “A multidimensional framework for digital platform innovation and management: from business to technological platforms,” Syst. Res. Behav. Sci., vol. 35, no. 4, pp. 485–501, 2018.
S. Mishra and A. R. Tripathi, “Platform business model on state-of-the-art business learning use case,” Int. J. Financ. Eng., vol. 7, no. 02, p. 2050015, 2020.
M. A. Pratama, “Pengendalian Inflasi yang Berbasis Finansial Teknologi (Fintech), Inklusi Keuangan dan Kebijakan Makroprudensial di D-8 Negara Berkembang,” Kumpul. Karya Ilm. Mhs. Fak. Sos. Sains, vol. 2, no. 02, 2021.
H. T. Sukmana, T. Hariguna, N. Lutfiani, and U. Rahardja, “Exploring the moderating effect of technology readiness of user intention in the context of mobile payment service,” Int. J. Adv. Trends Comput. Sci. Eng., vol. 8, no. 1.5 Special Issue, pp. 249–257, 2019, doi: 10.30534/ijatcse/2019/4481.52019.
N. Lutfiani, U. Rahardja, and I. S. P. Manik, “Peran Inkubator Bisnis dalam Membangun Startup pada Perguruan Tinggi,” J. Penelitan Ekon. dan Bisnis, vol. 5, no. 1, pp. 77–89, 2020.
C. Watanabe, N. Naveed, and P. Neittaanmäki, “Digital solutions transform the forest-based bioeconomy into a digital platform industry-A suggestion for a disruptive business model in the digital economy,” Technol. Soc., vol. 54, pp. 168–188, 2018.
U. Rahardja, A. N. Hidayanto, T. Hariguna, and Q. Aini, “Design Framework on Tertiary Education System in Indonesia Using Blockchain Technology,” 2019 7th Int. Conf. Cyber IT Serv. Manag. CITSM 2019, pp. 5–8, 2019, doi: 10.1109/CITSM47753.2019.8965380.
Sudaryono, U. Rahardja, and N. Lutfiani, “The Strategy of Improving Project Management Using Indicator Measurement Factor Analysis (IMF) Method,” in Journal of Physics: Conference Series, 2020, vol. 1477, no. 3, doi: 10.1088/1742-6596/1477/3/032023.
M. K. Gharaibeh, M. R. M. Arshad, and N. K. Gharaibh, “Using the UTAUT2 Model to Determine Factors Affecting Adoption of Mobile Banking Services: A Qualitative Approach.,” Int. J. Interact. Mob. Technol., vol. 12, no. 4, 2018.
D. J. Teece, “Dynamic capabilities and (digital) platform lifecycles,” in Entrepreneurship, innovation, and platforms, Emerald Publishing Limited, 2017.
P. A. Sunarya, Q. Aini, A. S. Bein, and P. Nursaputri, “The Implementation Of Viewboard Of The Head Of Department As A Media For Student Information Is Worth Doing Final Research,” ITSDI J. Ed. Vol. 1 No. 1 Oct. 2019, p. 18, 2019.
A. Purbasari, G. P. Maryono, F. Mulyanto, and W. Gusdya, “Utilization of Google My Business as a Tourism Promotion Media Using Local Search Engine Optimization,” IAIC Trans. Sustain. Digit. Innov., vol. 2, no. 2, pp. 169–178, 2021.
E. S. Aisyah, M. Maimunah, and A. Martono, “Effectiveness of Book Closing Using Web Based Accounting Online System 2.0 to Know the Company’s Financial Ratios,” Aptisi Trans. Manag., vol. 1, no. 1, pp. 56–60, 2017.
C. Lukita, M. Hatta, E. P. Harahap, and U. Rahardja, “Crowd funding management platform based on block chain technology using smart contracts,” J. Adv. Res. Dyn. Control Syst., vol. 12, no. 2, 2020, doi: 10.5373/JARDCS/V12I2/S20201236.
I. Atikah, “Consumer Protection And Fintech Companies In Indonesia: Innovations And Challenges Of The Financial Services Authority,” J. Huk. dan Peradil., vol. 9, no. 1, pp. 132–153, 2020.
E. S. Pramono, D. Rudianto, F. Siboro, M. P. A. Baqi, and D. Julianingsih, “Analysis Investor Index Indonesia with Capital Asset Pricing Model (CAPM),” Aptisi Trans. Technopreneursh., vol. 4, no. 1, pp. 36–47, 2022.
E. Febriyanto and R. S. Naufal, “Attitude Competency Assessment in the 2013 Curriculum Based On Elementary School Prototyping Methods,” IAIC Trans. Sustain. Digit. Innov., vol. 1, no. 1, pp. 87–96, 2019.
U. Rahardja, N. Lutfiani, A. S. Rafika, and E. P. Harahap, “Determinants of Lecturer Performance to Enhance Accreditation in Higher Education,” in 2020 8th International Conference on Cyber and IT Service Management (CITSM), 2020, pp. 1–7, doi: 10.1109/CITSM50537.2020.9268871.
L. Chandra, Amroni, B. Frizca, Q. Aini, and U. Rahardja, “Utilization Of Blockchain Decentralized System In Repairing Management Of Certificate Issuance System,” J. Adv. Res. Dyn. Control Syst., vol. 12, no. 2, pp. 1922–1927, 2020, doi: 10.5373/JARDCS/V12I2/S20201235.
R. J. Sipahutar, A. N. Hidayanto, U. Rahardja, and K. Phusavat, “Drivers and Barriers to IT Service Management Adoption in Indonesian Start-up Based on the Diffusion of Innovation Theory,” in 2020 Fifth International Conference on Informatics and Computing (ICIC), 2020, pp. 1–8.
M. I. Nur Azizah, PO Abas Sunarya, Efa Ayu Nabila, Andhika Dwi Putra, “Ilearning Curriculum Of Information System Major Using OBE Methods,” IJAST, vol. 29, no. 11, 2020.
Q. Aini, U. Rahardja, I. Handayani, M. Hardini, and A. Ali, “Utilization of google spreadsheets as activity information media at the official site alphabet incubator,” Proc. Int. Conf. Ind. Eng. Oper. Manag., no. 7, pp. 1330–1341, 2019.
F.-J. Lin and C. Lai, “Key factors affecting technological capabilities in small and medium-sized Enterprises in Taiwan,” Int. Entrep. Manag. J., vol. 17, no. 1, pp. 131–143, 2021.
L. Sharma, “Entrepreneurial intentions and perceived barriers to entrepreneurship among youth in Uttarakhand state of India: A cross-cultural investigation across genders,” Int. J. Gend. Entrep., 2018.
I. M. Nasution, B. P. K. Bintaro, C. S. Kesumawati, M. Zahruddin, and E. A. Nabila, “Implementation Technology for Development of a Brand Communication in Company PT. XYZ,” Aptisi Trans. Technopreneursh., vol. 4, no. 1, pp. 17–25, 2022.
G. N. M. Nata, S. Anthony, and P. P. Yudiastra, “Knowledge Discovery And Virtual Tour To Support Tourism Promotion,” IAIC Trans. Sustain. Digit. Innov., vol. 2, no. 2, pp. 94–106, 2021.
T. Ayuninggati and E. P. Harahap, “Supply Chain Management, Certificate Management at the Transportation Layer Security in Charge of Security,” Blockchain Front. Technol., vol. 1, no. 01, pp. 1–12, 2021.