ANALISIS DAMPAK FINTECH DAN LITERASI KEUANGAN TERHADAP KINERJA PERBANKAN DI ERA DIGITAL

Abstract

The purpose of this study is to analyze the impact of fintech and financial literacy on

Banking Performance,

banking performance in the digital era. This is important considering the limited

comprehensive research that examines the impact of fintech and financial literacy on

Financial Literacy

banking performance in Indonesia. The research method used is the Literature Study

method which is carried out by collecting various journals and articles that are in line with

the research objectives regarding the impact of fintech and financial literacy on banking

performance in the digital era. Based on the analysis of the literature study conducted, it

shows that Fintech has a significant and diverse impact on banking performance, which

affects operational efficiency, revenue growth, risk profile, and customer satisfaction.

Meanwhile, financial literacy plays an important role in shaping consumer interactions with

digital banking services and Fintech. In addition, higher levels of financial literacy can be

hampered by increased adoption of banking products and services, especially digital, and

credit quality will improve. The conclusion of this study is that there is a significant impact

between Fintech and financial literacy which is very important, because technological

innovation is more effective and beneficial when used by individuals who have the

necessary financial knowledge and skills