Dampak Keuangan Digital Terhadap Pertumbuhan Ekonomi
DOI:
https://doi.org/10.64465/jeeb.v2i1.104Keywords:
Digitalisasi, Keuangan, Pertumbuhan ekonomi, Studi pustaka, Teknologi informasiAbstract
Studi ini meneliti dampak keuangan digital terhadap pertumbuhan ekonomi menggunakan Tinjauan Literatur Sistematis (SLR) berdasarkan kerangka kerja PRISMA. Artikel yang diterbitkan antara tahun 2017 dan 2026 diambil dari Scopus dan dipilih sesuai dengan kriteria inklusi dan eksklusi yang telah ditentukan. Tinjauan ini menganalisis tren publikasi, tema penelitian utama, studi berpengaruh, dan bukti empiris tentang hubungan antara keuangan digital dan pertumbuhan ekonomi. Temuan menunjukkan meningkatnya minat akademis dalam keuangan digital, khususnya sejak tahun 2020, dengan tema utama termasuk Keuangan Digital dan Inovasi, Inklusi Keuangan, dan FinTech. Bukti menunjukkan bahwa keuangan digital mendukung pertumbuhan ekonomi dengan meningkatkan inklusi keuangan, meningkatkan efisiensi sistem keuangan, mengurangi biaya transaksi, memperluas akses ke layanan keuangan, dan mendorong inovasi teknologi. Hal ini juga mendorong pembangunan berkelanjutan dengan meningkatkan alokasi sumber daya dan memperluas partisipasi dalam kegiatan ekonomi. Namun, topik-topik baru seperti blockchain, literasi keuangan digital, dan keamanan siber masih kurang dieksplorasi. Penguatan infrastruktur digital, kerangka peraturan, dan kemampuan digital sangat penting untuk memaksimalkan manfaat keuangan digital bagi kemajuan ekonomi yang inklusif dan berkelanjutan.
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