Pengaruh Adopsi Fintech Lending Terhadap Inklusi Keuangan dengan Pembangunan Teknologi dan Informasi Sebagai Variabel Moderasi

Hasta Dwi Pradana

doi:10.31933/x0v60079

Authors

Hasta Dwi Pradana Universitas Terbuka Author

DOI:

https://doi.org/10.31933/x0v60079

Keywords:

Inklusi Keuangan, Fintech Lending, Teknologi Informasi, Pembangunan Teknologi

Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh adopsi fintech lending terhadap inklusi keuangan di Indonesia, dengan mempertimbangkan pembangunan teknologi dan informasi sebagai variabel moderasi. Menggunakan model regresi data panel, penelitian ini menemukan bahwa fintech lending secara signifikan meningkatkan inklusi keuangan. Selain itu, indeks pembangunan teknologi dan informasi juga menunjukkan pengaruh positif yang signifikan. Namun, interaksi antara fintech lending dan pembangunan teknologi informasi memiliki pengaruh moderasi negatif terhadap inklusi keuangan. Hasil penelitian ini menunjukkan bahwa integrasi antara fintech lending dan perkembangan teknologi informasi sangat penting untuk mencapai inklusi keuangan yang lebih luas dan efisien. Penelitian ini memberikan rekomendasi kebijakan untuk mempercepat pembangunan infrastruktur teknologi informasi dan meningkatkan literasi keuangan serta teknologi di kalangan masyarakat.

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