Analisis Dampak Financial Technology Terhadap Kinerja dan Inovasi Perbankan di Era Ekonomi Digital: Studi Literatur

Abstract

The development of digital technology has driven significant tranformations in the banking industry, particularly through the emergence of financial technology (fintech), which provides faster, more efficient, and more accessible financial services. This study aims to examine the influence of fintech on the performance and innovation of the banking sector amidst the development of the digital economy, using a literature study approach. Data was obtained from various scientific journals and books relevant to the topics of fintech and banking. The study results indicate that fintech has a two-sided impact on banking performance. On the one hand, fintech improves operational efficiency, accelerates service processes, and expands financial inclusion. However, on the other hand, digital competition and the need for significant technology investment can depress bank profitability in the short term. From an innovation perspective, fintech acts as a catalyst, encouraging banks to accelerate digital transformation through the development of technology-based products and services, such as mobile banking, artificial intelligence, big data, and open banking, as well as strengthening collaboration with fintech companies. Overall, fintech is not only a competitor to banks but also a key driver in creating more modern, adaptive, and customer-oriented banking services in the digital economy era