Teknologi Keuangan (Financial Technology (FinTech))
In the mode of electronic commerce, the payment system uses information technology such as e-wallets, e-payments, even Financial Technology or “Fintech”, which takes place virtually through a number of information technology-based applications.
Abstract
<b>Indonesian Abstract:</b> Kemajuan Teknologi Informasi (TI) telah merubah banyak mode aktivitas disetiap bidang. TI telah menjadi tulang punggung bagi banyak sektor. Mode bisnispun ikut mengalami pergeseran drastis ke arah mode transaksi electronic, baik yang menggunakan web maupun melalui gadget smartphone. Sistem bisnis semakin tren menggunakan istilah ecommerce atau m-commerce yang berlangsung secara virtual melalui sejumlah aplikasi berbasis teknologi informasi. Pandemi global COVID-19 (Abdillah, 2020b) semakin memperkuat aktivitas bisnis berbasis TI. Pada masa COVID-19 semua orang dianjurkan untuk mantap dirumah, jaga jarak, menghindari kerumunan, serta melakukan transaksi dengan tidak bersentuhan secara langsung. Secara tidak langsung COVID-19 semakin memopulerkan aktivitas bisnis secara online atau distance atau virtual. Dan TI hadir memenuhi tuntutan kebutuhan-kebutuhan tersebut. Dengan TI semua aktivitas tetap dapat dilakukan tanpa melanggar protokol kesehatan yang berlaku tidak hanya di Indonesia tetapi juga di seluruh dunia. Seiring dengan menjamurnya model usaha virtual di dunia maya, maka mendorong semua pihak terkait (stakeholders) untuk juga memberlakukan sistem pembayaran secara elektronik. Transaksi pembayaran yang tadinya dilakukan secara konvensional bergeser ke sistem pembayaran secara digital. Maka, pada mode perdagangan elektronik (e-commerce, mcommerce), sistem pembayaran menggunakan teknologi informasi seperti ewallet, e-payments, bahkan Financial Technology atau "Fintech".<br><br><b>English Abstract:</b> Advances in Information Technology (IT) have changed many modes of activity in every field. IT has become the backbone for many sectors. The business model has also experienced a drastic shift towards electronic transaction mode, both using the web and via smartphone gadgets. Business systems are increasingly using the term e-commerce or m-commerce, which takes place virtually through a number of information technology-based applications. The global pandemic COVID-19 has further strengthened IT-based business activities. During the COVID-19 period, everyone was advised to stay at home, keep their distance, avoid crowds, and make transactions without direct contact. Indirectly, COVID-19 is increasingly popularizing online or distance or virtual business activities. And IT is here to meet the demands of these needs. With IT, all activities can still be carried out without violating health protocols that apply not only in Indonesia but also throughout the world. Along with the proliferation of virtual business models in cyberspace, it encourages all related parties (stakeholders) to also implement an electronic payment system. Payment transactions that were previously carried out conventionally have shifted to a digital payment system. Thus, in the mode of electronic commerce (e-commerce, m-commerce), the payment system uses information technology such as e-wallets, e-payments, even Financial Technology or “Fintech”.