The Hidden Liquidity Cost of Pawn Expansion: Evidence from Pegadaian
The study analyzes 101 monthly observations from January 2017 to May 2025 to evaluate short-horizon liquidity dynamics at Pegadaian.
Bank Indonesia
Central bank · IN · 39 documents
Key number
10,583 cases
Online fraud cases in Indonesia (Jan–Mar 2026). Financial Analytics and Economic Innovation Journal p.2
AI Literacy and Critical Thinking in Strengthening Students' Fraud Detection Capability in a Cashless Society
A quantitative study surveyed 120 active university students in Java to analyze how AI literacy and critical thinking impact digital fraud detection capability.
Design and Development of a Web-Based Digital Credit Service and QRIS Transaction System
The PayQRIS system achieved a System Usability Scale (SUS) score of 83.25, indicating high usability.
Early Warning System for Non-Performing Loans Using Random Forest and Explainable AI Approach
The study constructed an early warning detection system for non-performing loans using 12.500 simulated records with 76,0% performing loans and 24,0% non-performing loans.
The Effect of E-Wallet, QRIS, and Digital Accounting Utilization on the Financial Management Quality of MSMEs in Medan City 2024–2025
A survey of 150 MSME owners and managers in Medan City evaluated the adoption of digital financial tools and their effect on financial management quality across 2024–2025.
The Effect of CAR, NPL, LDR, and BOPO on Net Interest Margin (NIM) in Digital Banks in Indonesia for the 2021-2026 Period
The study evaluates a balanced panel of 6 digital banks listed on the Indonesia Stock Exchange covering 108 quarterly observations from 2021Q4 to 2026Q1.
Technology, Regulation, and the Divergent Trajectories of Retail and Cross-Border Central Bank Digital Currency
A Scopus bibliometric search conducted on 8 October 2026 retrieved 1,418 records, from which 1,045 were retained for critical analysis.
Synergy of Bank Indonesia, the Financial Services Authority, and the National Sharia Board in Building Indonesia's Islamic Financial System
Bank Indonesia maintains monetary and macroprudential stability under Law No. 23 of 1999 juncto Law No. 6 of 2009.
Integration of Financial Technology in Strategic Financing Planning of Private Islamic Higher Education Institutions in the Society 5.0 Era
A PRISMA 2020-guided Systematic Literature Review screened 312 initial records down to 38 verified sources across five academic databases and regulatory repositories.
Problems and Effectiveness of Illegal Online Lending Supervision Policies in Indonesia from an Economic Policy Law Perspective
During the period from February to March 2024, Satgas PASTI identified 537 illegal online lending entities operating through unofficial websites and mobile applications.
Working Capital, Net Profit Margin, and Exchange Rate Effects on Corporate Value through Leverage: Evidence from Listed Indonesian Construction Companies
Average Net Working Capital among listed Indonesian construction issuers dropped from IDR 1,911.42 billion in 2021 to IDR 640.83 billion in 2025.
Determinants of Financial Behavior Influenced by Financial Technology and Financial Literacy of MSME Actors in Jakarta
The study surveyed a sample of 70 MSME respondents in Jakarta to evaluate the impact of fintech and financial literacy on financial behavior.
The Effectiveness of Blockchain Integration in Digital Payment Systems on Transparency and User Experience
The study collected and analyzed data from 407 respondents using multiple linear regression in R via the Kaggle platform to examine blockchain-integrated digital payment systems.
Generation Z's Intention to Use Islamic FinTech: Extending UTAUT with Personal Innovativeness
Generation Z represented 27.94% of Indonesia's total population in the 2020 Population Census.
Political Stability, Regulatory Quality, and Macroeconomic Factors Associated with Financial Sustainability of Islamic Banks in the MENA Region
Global Islamic finance total assets reached USD 4.54 trillion in 2024, expanding at a compound annual growth rate of 8.9% since 2020.
Green Islamic Fintech Ecosystem (GIFE) Model Based on ESG-Maqasid for Semi-Rural MSME Empowerment in Kuningan Regency, Indonesia in the Perspective of Sustainable Development Goals (SDGs)
The national Islamic financial inclusion index in Indonesia stands at 12.88%, leaving a 62.14-percentage-point gap compared to the 75.02% conventional financial inclusion rate.
Comparison of the Role of Financial Inclusion, Financial Technology, and Institutional Quality on the Growth of MSMEs in Indonesia and Malaysia
Indonesian MSMEs expanded from 62,922,617 units in 2017 to 64,194,057 units in 2018, reflecting a growth rate of 2.02%, and reached 65,465,497 units in 2019.
Islamic Banking Innovation: Addressing Fintech Challenges Through Blue Ocean Strategy
Fintech investment in the Asia-Pacific region grew to almost US$3.5 billion in 2015, highlighting rapid digital transformation.
Open Banking Service Development Strategy to Enhance Digital Ecosystem Collaboration
As of June 2024, transaction values processed under SNAP reached IDR 3,069 trillion across 6,217 million transactions.
Trust by Design or Trust by Culture? Artificial Intelligence, Digital Marketing, and Sociocultural Embeddedness in Indonesian Banking
The study identifies 5 interrelated themes governing how Indonesian banks integrate digital marketing management, local cultural wisdom, and artificial intelligence.
Analysis of Big Data-Based Financial Technology and AI on Financial Inclusion in Indonesia
The study analyzes the impact of Big Data and AI-based financial technology on expanding financial inclusion across Indonesian provinces for the 2019–2024 period.
The Growth of Crypto Assets and Its Impact on CBDC Design and Central Banking Roles: Evidence from Indonesia
Crypto transaction value in Indonesia experienced significant growth, expanding by 335.91 percent annually to 650.61 trillion rupiah
The Impact of the Transformation of Central Bank Digital Currencies (CBDC)-Based Global Payments on the Financial Efficiency of Multinational Corporations
Global cross-border payment transactions are projected to expand from over $150 trillion in 2017 to more than $250 trillion by 2027.
Pricing the Bet Stack: A Segment-Level Monte Carlo and Real-Options Valuation of SpaceX to 2030 and Its Lessons for Indonesian Retail and Student Investors
SpaceX closed on 2 October 2026 at a market value of about $2.16 trillion, representing more than eighty times its trailing revenue.
Digital Transformation and Banking Profitability: The Mediating Role of Operational Efficiency
The study analyzes a panel of 31 commercial banks listed on the Indonesia Stock Exchange (IDX) across 155 observations from 2020 to 2024.
Fintech Revolution: How Digitalization Changes the Way We Invest and Save
The national FinTech ecosystem reached 1,200 companies with daily transactions of USD 890 million or around Rp 14 trillion, growing 62% year-on-year per May 2025.
Digital Transformation and Financial Resilience in Indonesian Banking: A Comparative Pre–Post Analysis
World Bank statistics reported 97.74 million unbanked adults in Indonesia in 2021.
The Role of Risk Management in Mediating the Effect of Digital Banking on the Stability of Islamic Banks
The return on assets (ROA) of Islamic perbankan in Indonesia increased from 1,55% in 2021 to 2,15% in 2025.
Long-Term Performance and Determinants of IPOs on the Indonesia Stock Exchange in the Post-Pandemic Low Interest Rate Era
During the pandemic, Bank Indonesia lowered its benchmark interest rate to an all-time low of 3.50%, driving a search for yield and an IPO surge during 2021-2022.
The Effect of Good Corporate Governance and Sustainable Finance on Financial Performance in Banking Companies Listed on the Indonesia Stock Exchange 2018-2024
The study selected 5 private banking companies resulting in 35 observation data points from an initial population of 48 listed banks on the Indonesia Stock Exchange for the 2018–2024 period.
Determinants of Profitability in Indonesian Commercial Banks (KBMI 3 and 4) in the Era of Digital Acceleration
National digital payment transactions in Indonesia reached 43.5 billion transactions in 2024, driven by a 175.2% year-on-year surge in QRIS and 62.4% growth in BI-FAST.
Contesting FinTech Fatwa Compliance Through Maqasid al-Shariah in Indonesia and Malaysia
Applying three inclusion criteria narrowed the primary analytical corpus down to 5 officially published rulings issued between 2017 and 2021.
Policy Reformulation for Rural Credit Banks in the Digital Era: A Qualitative Approach Based on Literature Review and Global Benchmarking
The total number of Rural Credit Banks (BPR) operating in Indonesia continuously decreased from 1,468 units in 2021 to 1,339 units in June 2025.
Impact of Digital Banking Transaction Volume and Mobile Banking Users on Conventional Bank Performance in Indonesia
Mobile banking transaction volume in Indonesia grew by 39,1% in 2024, while QRIS-based transactions surged by 175,2% year-on-year.
Intellectual Capital, Digital Banking, and Indonesian Banking Performance: The Moderating Role of ESG
The study evaluated secondary data collected from 39 banking companies listed on the Indonesia Stock Exchange, comprising 195 observation data points for the 2020–2024 period.
G20 Roadmap for Enhancing Cross Border Payments: Scorecard Report on Direct Access and Price Transparency
Research by Consumers International indicates that 57% of consumer bodies cite a lack of fee transparency as a primary reason behind consumer distrust in digital finance.
G20 Roadmap for Enhancing Cross Border Payments: Indonesia
Bank Indonesia launched BI-FAST on 21 December 2021, providing instant payments with transaction limits up to IDR 250 million.
G20 Roadmap for Enhancing Cross Border Payments: Scorecard Report on Direct Access and Price Transparency
The G20 Roadmap for Enhancing Cross-Border Payments (2020 - 2027) focuses on 5 main priority focus areas divided into 19 building blocks.
Macro-Financial Implications of Foreign Crypto Assets for Small Developing Economies
Total crypto asset market capitalization peaked at around $3 trillion in November 2021 before falling below $1 trillion.