Determinan Perkembangan Financial Technology (Fintech) Di Indonesia
Abstract
Penelitian ini bertujuan untuk mengetahui faktor yang mempengaruhi perkembangan financial technology (fintech) di Indonesia. Objek dalam penelitian ini adalah Indonesia. Jenis penelitian adalah deskriptif kuantitatif. Metode yang digunakan adalah kuantitatif dengan data sekunder yang berupa data laporan keuangan. Sampel dalam penelitian ini sebanyak 82 sampel. Teknik pengumpulan data berasal dari website resmi sedangkan teknik analisis data menggunakan SEMPLS dengan bantuan software SmartPLS 3.0. Hasil penelitian menunjukkan bahwa variabel ekonomi makro, kondisi bank umum, dan akses kepembiayaan berpengaruh positif terhadap perkembangan financial technology (fintech) dan juga ekonomi makro dan kondisi bank umum berpengaruh terhadap akses kepembiayan. Sedangkan untuk variabel akses kepembiayaan tidak terdapat efek mediasi ekonomi makro dan kondisi bank umum terhadap perkembangan fintech di Indonesia.
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