MANKEU (JURNAL MANAJEMEN KEUANGAN)

TRANSFORMATION DIGITAL PAYMENT SYSTEMS AND CHANGES IN PUBLIC TRANSACTION BEHAVIOR A QUALITATIVE STUDY OF E-WALLETS AND QRIS IN TEMBILAHAN

2026-01-14T07:29:44+00:00

The development of financial technology (fintech) has brought significant changes to the financial system, particularly in digital payment systems. Fintech innovations in the form of digital wallets (e-wallets) and the Quick Response Code Indonesian Standard (QRIS) have encouraged people to shift from cash-based transactions to more practical and efficient non-cash transactions. This transformation of the digital payment system not only impacts the technical aspects of transactions but also influences people's transaction behavior. This study aims to analyze how the transformation of the digital payment system through the use of e-wallets and QRIS influences changes in people's transaction behavior in Tembilahan. This study used a qualitative approach with data collection methods through interviews, observation, and documentation of e-wallet and QRIS users in Tembilahan. The results show that the use of e-wallets and QRIS provides convenience, speed, and flexibility in transactions, thus encouraging people to adopt digital payment systems in their daily lives. Changes in people's transaction behavior are reflected in the increasing frequency of digital payment use, changes in payment method preferences, and reduced dependence on cash. However, this study also found that people's digital literacy levels still vary, and some users still have concerns regarding transaction security and personal data protection. In the local context of Tembilahan, the transformation of the digital payment system is gradual and influenced by community habits, technology experience, and digital payment infrastructure support. This study concludes that e-wallets and QRIS play a strategic role in driving the transformation of the digital payment system and shaping changes in people's transaction behavior. The findings of this study are expected to serve as a reference for the government, digital payment service providers, and future researchers in developing an inclusive and sustainable digital payment system.

THE ROLE OF INSURTECH IN IMPROVING ACCESS TO DIGITAL INSURANCE SERVICES A STUDY ON THE QOALA APPLICATION

2026-01-14T13:25:06+00:00

The development of digital technology is driving the transformation of insurance services through the emergence of Insurance Technology (InsurTech). This study aims to analyze the role of InsurTech in increasing access to digital insurance services through the Qoala application. The study used a qualitative approach with interview and observation methods. The results show that the Qoala application provides convenience, efficiency, and transparency in digital insurance services and increases public insurance inclusion. However, digital insurance literacy is still needed to minimize the risks of using digital services. Thus, InsurTech plays a crucial role in the modernization of insurance services in Indonesia.

QUALITATIVE ANALYSIS OF PUBLIC UNDERSTANDING OF FINANCIAL TECHNOLOGY (FINTECH)-BASED INVESTMENT RISKS IN TEMBILAHAN

2026-01-15T05:39:19+00:00

This study aims to analyze and describe in depth the understanding of the Tembilahan community regarding the risks associated with Financial Technology (Fintech)-based investments. The research method used is qualitative with a descriptive approach, focusing on data collection through in-depth interviews and observations of individuals who serve as research samples. The analysis focuses on the level of public awareness of various types of online investment risks (such as fraud, market volatility, and personal data security), the information sources they use, and the factors that influence their investment decision-making. The results of this study are expected to provide a comprehensive picture of digital financial literacy among the local community and provide valuable input for regulators and Fintech service providers in designing more effective education strategies to improve consumer protection and foster a safer and more informed investment ecosystem.

ANALYSIS OF DEFAULT RATES IN THE FINTECH LENDING INDUSTRY IN INDONESIA USING TWP90 AND TKB90 INDICATORS

2026-01-15T07:52:05+00:00

The growth of the fintech lending industry in Indonesia continues to increase in line with the high public need for fast and easily accessible digital financing services. However, these developments are also accompanied by an increase in the risk of default that needs to be monitored periodically through the Financial Services Authority's official indicators, namely the 90-Day Default Rate (TWP90) and the 90-Day Payment Success Rate (TKB90). This study aims to analyze the development of these two indicators as a reflection of the level of credit risk in the fintech lending industry during the period from January 2024 to January 2025. The research uses a quantitative descriptive method by utilizing secondary data from OJK monthly publications. The results showed that throughout the observation period, TWP90 was in the range of 2.37%–2.96%, while TKB90 showed stable performance in the range of 97.05%–97.63%. The downward trend in TWP90 in mid-2024 indicates improved credit quality and the effectiveness of risk mitigation, while the increase in TWP90 at the end of the year indicates seasonal pressures affecting borrowers' ability to pay. In addition, the inversely proportional relationship between TWP90 and TKB90 was seen consistent throughout the study period. These findings confirm that although the fintech lending industry is in a relatively healthy and controlled condition, credit risk dynamics still need to be anticipated through the strengthening of risk assessment systems, collection strategies, and periodic monitoring by regulators and industry players.

TEMBILAHAN COMMUNITY'S UNDERSTANDING OF PEER TO PEER LENDING SERVICES: A QUALITATIVE STUDY

2026-01-31T07:53:12+00:00

The development of digital technology has encouraged the birth of various innovations in the financial sector, one of which is financial technology (fintech) services in the form of peer to peer lending (P2P lending). The presence of P2P lending is expected to be able to increase financial inclusion by providing quick and easy access to financing for the public. However, the rapid development of this service is not always accompanied by an adequate level of public understanding. This research aims to explore and understand in depth the understanding, perception, and factors that affect the people of Tembilahan towards P2P lending services. This study uses a qualitative approach with a qualitative descriptive method. Data collection was carried out through in-depth interviews, observations, and documentation of the selected Tembilahan community using purposive sampling techniques. Data analysis is carried out through the stages of data reduction, data presentation, and conclusion drawing by applying triangulation of sources and techniques to maintain the validity of the data. The results of the study show that the level of understanding of the Tembilahan community towards P2P lending is still relatively low. People generally only understand P2P lending as an online loan without understanding the mechanism, legality, and risks that come with it. Public perception of P2P lending is ambivalent, namely on the one hand it is seen as a quick solution to fund needs, but on the other hand it is considered risky due to high interest rates, aggressive collection, and misuse of personal data. Digital financial literacy and information sources, especially social media, are the main factors that affect public understanding and perception. This low understanding has an impact on people's attitudes that tend to avoid P2P lending altogether or use it without careful consideration.

UTILIZATION OF FINANCIAL TECHNOLOGY IN THE LIFE OF THE TEMBILAHAN COMMUNITY

2026-01-31T08:33:12+00:00

The development of digital technology has brought changes to the financial system, one of which is the emergence of Financial Technology (FinTech). Financial technology offers convenience, speed, and efficiency in conducting financial transactions. This journal article aims to examine the use of Financial Technology in the lives of the Tembilahan community and the benefits experienced by the community. The method used in this article is a descriptive method with a literature study approach, namely reviewing books, journals, and articles relevant to the topic of Financial Technology. The results of the study indicate that the use of Financial Technology such as e-wallets, mobile banking, and QRIS provides benefits in the form of ease of transactions, time efficiency, and increased access to financial services. These benefits have impacted the financial activities of the Tembilahan community in their daily lives.

ACCESS TO INFORMATION AND UNDERSTANDING OF THE TEMBILAHAN COMMUNITY INSURTECH AS A DIGITAL FINANCIAL INNOVATION

2026-01-31T08:57:18+00:00

The development of financial technology (fintech) is driving the transformation of digital financial services, including in the insurance sector through insurance technology (insurtech). Insurtech is expected to increase public access to and understanding of digital-based insurance services. However, the level of public access to information and understanding ofinsurtechare still diverse, especially in non-metropolitan areas. This study aims to analyze access to information and the understanding of the Tembilahan community regarding insurtech as a digital financial innovation and identifying the factors influencing it. This study used a qualitative approach with a descriptive approach. Data were collected through in-depth interviews, observations, and documentation of the purposively selected Tembilahan community. Data analysis was conducted using the Miles, Huberman, and Saldaña model. The results showed that the community obtained information insurtech through various channels, especially digital media and social communications, although the information received is not yet fully comprehensive. Public understanding of insurtech is still in its early stages and is influenced by digital literacy, financial literacy, perceived benefits, and the level of trust in digital financial services. This research emphasizes the importance of strengthening access to sustainable and contextual digital financial information and education to support public understanding of digital financial services insurtech.