Fintech Percepat Target Inklusi dan Dorong Inovasi Keuangan

(Berita Daerah – Jakarta) Teknologi serta inovasi digital di sektor keuangan (fintech) berkembang cukup signifikan hingga mengubah landscape industri keuangan yang mempercepat target inklusi dan mendorong inovasi keuangan.

Hal tersebut disampaikan Wakil Menteri Keuangan (Wamenkeu) Mardiasmo dalam keynote speech sekaligus membuka acara The 3rd Annual Islamic Finance Conference (AIFC) yang bertema Enhancing The Role of Islamic Finance within Digital Economy Era: Opportunities and Challenges di Makassar pada Rabu (04/07).

“Teknologi digital ini sangat mempengaruhi kehidupan kita dalam berbagai aspek terhadap ekonomi khususnya keuangan Islam,” ujar Wamenkeu.

Menurut Wamenkeu, salah satu kekuatan distribusi dalam ekonomi digital ini adalah fintech yang muncul sebagai terobosan. Asosiasi fintech Indonesia menunjukkan bahwa jumlah perusahaan fintech Indonesia telah berkembang secara signifikan dari 25 perusahaan di 2011-2012 menjadi 165 perusahaan di 2015-2016.

“Perusahaan-perusahaan fintech ini menjalankan model bisnis seperti peminjaman atau lending, pembayaran digital marketplace dan perencanaan keuangan. Data Bank Indonesia juga menunjukkan pertumbuhan yang signifikan dari nilai transaksi pasar fintech yang berjumlah 18,6 miliar dolar di tahun 2017 dan meningkat 19,23 di tahun 2018. Angka ini diperkirakan terus meningkat di beberapa tahun ke depan,” ungkapnya.

Lebih lanjut, Wamenkeu menjelaskan fintech memberi solusi inovatif melalui produk dan jasa. Selain itu, fintech juga memungkinkan melakukan bisnis dan membangun bisnis dengan waktu yang lebih singkat khususnya untuk ekonomi usaha mikro kecil dan menengah yang seringkali menemui hambatan dari segi pembiayaan dan kekurangan pengelolaan finansial.

“Ini juga menunjukkan bahwa fintech memegang peranan penting dalam meningkatkan akses finansial. Memahami bahwa akses masyarakat ke dalam keuangan informal sangat penting. Ini akan membawa Indonesia kepada inklusivitas yang akan berdampak positif pada tujuan kesejahteraan masyarakat, menghapuskan kemiskinan dan juga menciptakan lapangan pekerjaan,” tegasnya.

Panda/Journalist/BD
Editor : Agustinus
Image : Menkeu

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