Teknologi dan Inovasi di Dunia Keuangan

This research analyzes the development of technology and innovation in the financial sector with a focus on digital transformation of the fintech industry in Indonesia. Using a qualitative approach with descriptive-explorative methods through documentary studies, this research examines scientific literature and regulatory documents from 2021-2025. The results show that fintech evolution has created three main categories: third-party payment systems, peer-to-peer lending, and crowdfunding that have successfully increased financial inclusion significantly. Implementation of supporting technologies such as blockchain, big data analytics, and artificial intelligence has optimized operational efficiency by reducing transaction costs and accelerating financial service processes. The regulatory framework through regulatory sandbox and OJK Regulation on Digital Financial Innovation has created a balance between encouraging innovation and protecting consumers. This transformation faces complex challenges including cybersecurity, digital divide, and market concentration risks. Positive impacts on consumer behavior show a structural shift from cash to digital payments accelerated by the COVID-19 pandemic. The research concludes that digital transformation of the financial sector represents a fundamental change that creates a more democratic, efficient, and inclusive financial ecosystem with promising prospects for future technology development.