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The goal to be achieved from this service is the application of the digital economy through e-commerce and fintech for MSME actors in Kota Pari Village. Then it is hoped that the community/MSME actors will be able to understand that this digital economic transformation is used for the turnover of economic activities so that it will increase the income of business actors in the Pandemic Era so that the products offered are not only marketed in the local area but also internationally. Business actors are increasingly aware of this digital economic transformation, so it is hoped that they will be able to increase their income through product sales by increasing production, expanding sales areas in e-commerce that are already available on the android application. This service activity plan will be carried out for 1 day with counseling with the theme of Education on Digital Economy Transformation Through E-commerce and Fintech in increasing the income of business actors in the COVID-19 Pandemic Era in Kota Pari Village, Pantai Cermin District, Serdang Bedagai Regency and evaluating the results by re-observing the community/MSME actors by looking at the income results and the level of purchasing power of the community.

Tujuan penelitian ini adalah untuk memverifikasi hubungan pengaruh transaction process dan seamless transaction terhadap perceived benefit. Pendekatan masalah menggunakan Teori Theory Acceptance Model (TAM). Penelitian menggunakan data primer yang diperoleh dengan menyebarkan kuesioner secara online. Metode pengumpulan data dengan purposive sampling data yang terkumpul 545 responden. Data dianalisis dengan SEM-PLS. Hasil penelitian membuktikan transaction process dan seamless transaction berpengaruh positif terhadap perceived benefit. Nilai original penelitian ini membuktikan bahwa teori TAM mampu menjelaskan hubungan antar variabel dari model penelitian yang dibangun.

The study aims to determine how much (1) the effect of perceived ease of use on perceived usefulness in P2P Lending for culinary MSMEs in Karanganyar town square, (2) the effect of perceived ease of use on trust in P2P Lending for culinary MSMEs in Karanganyar town square, (3) the effect of perceived usefulness on trust in P2P Lending for culinary MSMEs in Karanganyar town square, (4) the effect of trust on attitude toward using in P2P Lending for culinary MSMEs in Karanganyar town square, and (5) the effect of attitude toward using on behavioral intention to use P2P Lending for culinary MSMEs in Karanganyar town square. This research uses Technology Acceptance Model (TAM) research methods with a sample of 75 respondents. Data analysis techniques using PLS SEM which consist of outer model and inner model. The outer model consists of convergent validity test, discriminat validity test, undimensionalitas test, and reliability test. The inner model uses R- square, Q square, path coefficient, Goodness of Fit, and descriptive analysis. The result showed that (1) perceived ease of use has a significant effect on perceived usefulness in P2P Lending for culinary MSMEs in Karanganyar town square, (2) perceived ease of use has a significant effect on trust in P2P Lending for culinary MSMEs in Karanganyar town square, (3) perceived usefulness has a significant effect on trust in P2P Lending for culinary MSMEs in Karanganyar town square, (4) trust has a significant effect attitude toward using in P2P Lending for culinary MSMEs in Karanganyar town square, (5) attitude toward using has a significant effect on behavioral intention to use P2P Lending for culinary MSMEs in Karanganyar town square.    

This study aims to find out the influence of the implications of E-Commerce and Fintech on changes in consumption patterns of generation z. In this study, a quantitative approach was used with the data collection used to distribute questionnaires to users of the Shopee and BRImo applications in Bojonegoro Regency with techniques Purposive sampling, a sample that is taken based on certain criteria or characteristics chosen by the researcher. The results of the study show that E-commerce has an effect on changes in the consumption pattern of generation z in Bojonegoro Regency. Meanwhile, Fintech has no effect on changes in the consumption pattern of generation z in Bojonegoro Regency.

In the era of globalization, financial technology (fintech) has enabled society to access financial services quickly and efficiently. However, the emergence of illegal Fintech presents risks to consumers, such as financial losses and privacy breaches. Legal protection for victims of illegal fintech practices is important to ensure the safety and rights of consumers. This study aims to identify the legal consequences of illegal P2PL Fintech and evaluate legal protection for victims in the context of the case study Decision Number 3115 K/PDT/2021. The study uses a normative juridical method by analyzing relevant legal texts, such as laws, regulations, and court decisions. The results show that the legal consequences of illegal Fintech include law enforcement actions, compensation for victims, regulatory prevention efforts, and improved consumer protection. Victims of illegal Fintech practices receive legal protection from existing regulations and law enforcement. Court decisions, such as Decision Study Number 3115 K/PDT/2021, serve as important legal precedents in addressing these illegal practices. Thus, this research provides a better understanding of consumer protection in illegal fintech practices and emphasizes the importance of strict regulations and effective law enforcement in maintaining the integrity of the fintech industry and public trust.

This PKM activity was carried out at the Muhammadiyah University of Jambi in the form of material presentations or lectures and discussions regarding the Introduction to Financial Technology (FinTech). In this PKM activity, Rian Dani, M.E., Dr. Agesha Marsyaf and Iqra Wiarta, M.M. act as Speaker. Participants in this PKM activity are students who have passed the 2023 Entrepreneurial Student Development Program (P2MW). The method used in this training is the Lecture Method. The lecture method is a method where the trainer verbally describes or explains to the training participants. Participants have an understanding of Financial Technology (FinTech) such as Crowdfunding, Microfinancing, P2P Lending Service, Market Comparison and Digital Payment Systems. This is marked by an understanding discussion and questions and answers conducted between the participants and the presenters.

The Fintech-based financial services sector in Indonesia shows developments that are in line with regional and global sector dynamics. This development plays an important role in accelerating national economic growth, where the financial services sector functions optimally to maintain the smooth running of the financial system. This system is the foundation for sustainable development, supports community financial independence, and improves the distribution of development. This study uses a normative juridical approach with descriptive analysis. The data was analyzed qualitatively and juridically. The research results show that regulations in the financial services sector are developing rapidly due to demands from regional and global changes. One of the main challenges faced is the ASEAN Banking Integration Framework (ABIF). Legal developments in this sector can be seen in regulatory changes in institutions, services, products, and dispute resolution. Legal reform is still needed to provide a strong legal basis for the financial services sector, especially in civil and banking law. This reform aims to adapt regulations to the latest developments and ensure the stability and reliability of the financial services sector in the future.    

Abstract. The digital era has brought significant changes across various sectors of life, including the economy. The continuously evolving digital technology presents new opportunities and challenges, particularly in the implementation of Islamic economics in Indonesia. This article aims to analyze the innovations and implementation of Islamic economics in facing the developments of the digital era. The theoretical review covers the principles of Islamic economics, technology in the digital era, and the role of digital technology in the context of Islamic economics. This research employs a literature review method to understand various innovations and implementations in Islamic economics. The study results show that Islamic fintech, blockchain, Islamic crowdfunding, and collaboration with E-Commerce marketplaces have had a positive impact by enhancing access, transparency, and efficiency in financial transactions. By leveraging technological innovations, Islamic economics can contribute to creating an inclusive and sustainable economic system, benefiting individuals and society as a whole. Keywords: Digital Era, sharia economics, Technological Innovation   Abstrak. Era digital telah membawa perubahan signifikan di berbagai sektor kehidupan, termasuk ekonomi. Teknologi digital yang terus berkembang memberikan peluang dan tantangan baru, khususnya dalam implementasi ekonomi syariah di Indonesia. Artikel ini bertujuan untuk menganalisis inovasi dan implementasi ekonomi syariah dalam menghadapi perkembangan era digital. Kajian teori mencakup prinsip-prinsip ekonomi syariah, teknologi di era digital, dan peran teknologi digital dalam konteks ekonomi syariah. Penelitian ini menggunakan metode kajian literatur untuk memahami berbagai inovasi dan implementasi dalam ekonomi syariah. Hasil studi menunjukkan bahwa fintech syariah, blockchain, crowdfunding syariah, dan kolaborasi dengan E-Commerce marketplace telah membawa dampak positif dengan meningkatkan akses, transparansi, dan efisiensi transaksi keuangan. Dengan memanfaatkan inovasi teknologi, ekonomi syariah dapat berkontribusi dalam menciptakan sistem ekonomi yang inklusif dan berkelanjutan, menguntungkan individu dan masyarakat secara keseluruhan. Kata kunci: Era Digital, Ekonomi Syariah, Inovasi Teknologi

This research focuses on banking strategies in facing the new era in Indonesia, taking into account the rapid market and technological changes. This transformation is triggered by the development of financial technology (fintech) and the digital revolution, which aims to expand financial inclusion by providing easier and more flexible access for people.  To remain competitive, banks need to continue to innovate and improve services to meet higher customer expectations.  This research uses a qualitative approach with a literature review method to gain an in-depth understanding of banking strategies in the face of market and technological changes in Indonesia. Secondary data was collected from relevant scientific articles, journals and books, then analyzed descriptively and interpretatively. This analysis aims to identify common patterns, trends, and important findings related to product and service innovation strategies, as well as risk and compliance management in the banking industry in Indonesia. The results show that human resource capacity building, digital infrastructure investment, financial education and literacy, effective risk management, collaboration with regulators, adoption of the latest technology, and development of innovative products and services are crucial steps for banks in Indonesia to face dynamic market challenges. The implementation of these suggestions will help banks in Indonesia to be better prepared for change and provide the best services for customers.

In the digital era, technological developments are increasingly rapid, and their existence has begun to penetrate into various aspects of life, such as in the world of finance or the economy. This is marked by the emergence of technology and information-based financial institutions or known as fintech. Starting from this, a question arises on how to implement information technology-based lending and borrowing (peer to peer lending) in Indonesia and how to protect the recipients of the loan (customers). This research is in the form of juridical-normative. The results of this study concluded that there were violations committed by the lender to the customer, and the sanctions imposed were only administrative sanctions with the worst consequence being license revocation. In this regards, obviously it does not provide a sense of justice to the customers, considering the crimes that have been committed, therefore the role of criminal law is very important here, by implementing sanctions related to these crimes, such as the dissemination of personal data, threats in billing, sexual harassment through electronic media, fraud and slander.    

Online loans are financial assistance from financial institutions that is done online, which is one proof of the advancement of financial technology (fintech). Online lending or peer to peer lending as a form of financial technology (fintech) is a technological advancement that offers loans with easier and more flexible terms and conditions. The theory used in this research is the theory of legal legality. The theory of legal legality is very relevant to the research made here, because there needs to be legal legality of peer to peer lending in online loans in conventional law considering that the payment system in this illegal online lending and borrowing service has troubled many people, such as intimidative billing, dissemination of personal data, fraud, and sexual harassment through electronic media. The research method used is qualitative descriptive research. The data collection technique or instrument used is library research by studying various books as literature, official documents, laws and regulations, results of previous research, and other literature sources related to the problems studied. The legality of fintech peer to peer lending online loans in the aspect of conventional law is found in the Financial Services Authority Regulation Number 77/POJK.01/2016 concerning Information Technology-Based Money Lending and Borrowing Services, Law Number: 8 of 1999 concerning Protection of Consumer Protection and Law Number: 11 of 2008 concerning Information and Electronic Transactions and other applicable regulations.

In today's modern era, humans have a life with all activities that can never be separated from technological developments. One of the technological developments that is currently popular in Indonesia is Financial Technology. Financial Technology (FINTECH) is the latest innovation in the financial service system which is touched by modern technology which can make it easier for Small and Medium Enterprises).to run their businesses with the help of Fintech. The aim of this research is to determine the application of Fintech to Small and Medium Enterprises assisted by Bank NTT in Sabu Raijua and to determine the advantages and disadvantages of implementing Fintech in Small and Medium Enterprises assisted by Bank NTT in Sabu Raijua. This research uses a qualitative research method, which is a research method carried out by means of in-depth interviews in the field, using a phenomenological approach. The data source in this research is primary data obtained directly from Small and Medium Enterprises actors in Sabu Raijua, while secondary data is in the form of interviews, observations and documentation. The research results show that the application of Financial Technology (Fintech) in Small and Medium Enterprises assisted by Bank NTT in Sabu Raijua is experiencing positive developments in line with technological advances and changes in user behavior, ease of access, and transaction security are getting better. However, in its implementation there are several obstacles, namely weak internet connections, elderly Small and Medium Enterprises players find it difficult to understand how to use Financial Technology.

This research aims to examine the influence of fintech payments, financial socialization and financial experience on financial management behavior. This research uses quantitative descriptive methods. The population in this study were active students at Muhammadiyah University of Sidoarjo, totaling 12,730 students and used a purposive sampling technique. The sample was determined using the Slovin formula and a sample of 99 respondents was obtained. The research data source is primary data. The analysis technique uses Partial Last Square with Smart PLS 3.0. The research results show that fintech payment, financial experience and financial socialization partially have a significant effect on financial management behavior.

This paper discusses the relationship of electronic money transactions on Internet users in Indonesia, main of the indications of fintech utilization. This study analyzes the trends of development of the volume and value of electronic money transactions as well as the increase of internet users in Indonesia. Data were collected from 2008 to 2020. The analysis is carried out using an polinomial trend analysis. Correlation test was also conducted on the electronic money transactions and data of Internet users and its growth rate. The analysis showed that electronic money transactions and internet users growing polinomially. The strong correlation was found between internet users and GDP and also electronic money transactions. It was also found that the growth of internet users affects the growth of the value of e-money transactions, while the growth of GDP affects the growth of the volume of e-money transactions. These findings signifies the growing enthusiasm for embracing fintech in Indonesia.

The advent of digital technologies has reshaped economies worldwide, especially in emerging markets. This paper explores how digital transformation accelerates economic development by enhancing business operations, improving financial inclusion, and fostering innovation. Through case studies and data analysis, the research highlights the critical role of digital infrastructure, e-commerce, and the fintech industry in driving economic growth in developing countries. Furthermore, it discusses the challenges faced, such as digital inequality and regulatory barriers, and offers recommendations for policymakers to harness the full potential of digitalization for sustainable development.

There are various e-commerce sites, one of which is Shopee, which utilizes financial technology or what is known as financial technology (Fintech) in the form of Shopeepay. Many factors can influence interest in using fintech including perceived ease, trust, effectiveness and features of use. This study aims to determine the effect of perceptions of convenience, trust, effectiveness and usage features on interest in using Shopeepay fintech. This research method is descriptive quantitative, the population in this study are regular UPGRIS management students class of 2018 and class of 2019 who are willing to fill out a research questionnaire with a total of 100 respondents, the sampling technique used is accidental sampling. Data collection was carried out through a questionnaire. Data analysis was carried out through validity and reliability tests, multiple regression analysis and hypothesis testing. Based on the data analysis conducted, it was found that perceived convenience has a positive and significant influence on the intention to use Fintech Shopeepay with a significant value of 0.001, trust has a positive and significant influence on the intention to use Fintech Shopeepay with a significant value of 0.048, effectiveness has a positive and significant influence on the intention to use fintech Shopeepay with a significant value of 0.000, features of use have a positive and significant influence on interest in using fintech Shopeepay with a significant value of 0.043. This means that the influence of perceptions of convenience, trust, effectiveness and features of use has an effect on interest in using Shopeepay fintech.

This research aims to evaluate risk management in financing through the Sharia Fintech Peer To Peer Lending (P2P) platform. P2P lending is an innovation in the financial sector that allows borrowers and fund providers to interact directly via digital platforms. In the context of sharia finance, the risk management aspect is crucial to ensure compliance with sharia principles. This research uses qualitative and quantitative analysis methods to identify and evaluate various aspects of risk management related to financing through sharia P2P lending. Risk factors such as credit risk, liquidity risk, operational risk and sharia risk will be evaluated to provide a thorough understanding of the effectiveness of risk management in this context.

The existence of fintech P2P Lending can help Indonesian people who are still unreached by banking services to borrow funds with easy, fast terms and without making a direct agreement. Electronic lending system make it easy public to borrow funds with easy reuqirements and without need to meet for make a agreement. Trading system transaction originally paper based and then shift to electronic based system (digital) is something that needs to be studied further about validity of the e-contract as the basis of relations between two parties that make agreement, by using legal protection theory, legal certainty theory, and theory of justice. The purpose of this research is to study together validity of e-contract in Fintech P2P Lending industry. The results of this research analysis show that the practice of online lending and borrowing based on fintech P2P Lending still does not have legal certainty for loan recipients, the benchmark for the validity of an agreement in fintech P2P Lending only refers to article 1320 of the Civil Code regarding the conditions for the validity of the agreement. The Fintech Lending Law should be drafted immediately to guarantee legal certainty for P2P Lending fintech.

Technological developments provide convenience in various fields, including marketing and finance. Currently, marketing can be carried out digitally by utilizing internet technology. The presence of online loans, which is a type of peer-to-peer lending financial technology (fintech), is the result of advances in financial technology. PT. Fidac Innovation Technology is a company operating in the fintech sector and has the Dumi product which provides online loans specifically for State Civil Apparatus (ASN). The purpose of this research is to determine digital marketing techniques in increasing sales of fintech peer-to-peer lending on Dumi products by using 5 (five) digital marketing techniques, namely: Search Engine Optimization (SEO), online advertising, email marketing, mobile applications, and social media marketing. Qualitative descriptive is used as a research method by collecting data through interviews with PT employees. Fidac Technology Innovation IT Design Division which carries out digital marketing, observation and documentation. The research results show that the digital marketing techniques implemented by PT. Fidac Technological Innovation by utilizing SEO, online advertising, social media marketing and mobile applications is already running well. However, Dumi's digital product marketing technique in the form of email marketing has not been implemented due to limited resources.

Shopee PayLater is a form of fintech that allows users to shop online by delaying payment. However, the use of paylater itself is a problem because the MUI fatwa prohibits paylater because it contains riba in its implementation practices, In the campus environment, one of which is FEB Universitas Brawijaya students, it is undeniable that consumptive behavior is one of the behaviors that are often found. This study aims to analyze the effect of debt understanding, usury understanding, financial literacy, and religiosity on the consumptive behavior of students of the Faculty of Economics and Business, Universitas Brawijaya. The research methodology used in this type of research is descriptive quantitative with multiple linear regression analysis models. The results of this study are that understanding debt and financial literacy affect consumptive behavior, while understanding usury and religiosity do not affect consumptive behavior. The implications of this research are expected to contribute insight into the use of Shopee PayLater on consumptive behavior. In addition, it can also be used by educational institutions and governments in controlling consumptive behavior.