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Financial Technology (FinTech) is an innovation in financial services that uses digital technology to provide easier, more efficient and affordable access. This article discusses the development of FinTech in Indonesia, including its role in increasing financial inclusion, providing digital banking services, electronic payments, and peer-to-peer lending business models. Through literature analysis, this article shows that FinTech has driven significant changes in financial access and interactions, especially for those in remote areas or without access to traditional financial services. Although FinTech offers many advantages, such as efficiency and ease of transactions, challenges such as limited access to technology and security risks still need to be overcome. Adaptive regulations and collaboration with traditional financial institutions are needed to maximize the potential of FinTech in supporting financial inclusion and sustainable economic development in Indonesia.

Digital learning design has great potential in shaping students' Islamic character in this digital era. However, its implementation faces several challenges, such as limited access to technology, difficulties in internalizing Islamic values through digital media, and a reduction in the essential social interaction required for character development. Additionally, distractions from technology, the limited availability of relevant Islamic content, and the lack of technological skills among teachers also pose significant barriers. To overcome these challenges, solutions are needed, including the improvement of technology infrastructure, the development of more relevant Islamic learning content, and teacher training in effective technology usage. Approaches that involve social interaction, digital skills development, and holistic character evaluation can enhance the effectiveness of digital learning in building Islamic character. Therefore, digital learning can serve as an effective tool for educating students with Islamic values, provided it is balanced with the right approach.

In Indonesia, there are still many residents who still lack understanding of the administration of population administration. This research aims to examine the population administration management system in Alun-Alun Contong Village, Surabaya. With a focus on the implementation of digital information technology in population data management. The research methods used include direct observation and interviews with village officials. The results showed that Alun-Alun Contong Village has implemented a digitalization system through the Klampid New Generation (KNG) application, which makes it easier for residents to take care of population documents. However, there are still obstacles such as the lack of socialization to the community and limited access to technology for some residents. The conclusion of this research is that there is a need for increased socialization, training for village officials, and improved technological infrastructure to support a more efficient and inclusive administrative system. This research is expected to be a reference for local governments in an effort to improve the quality of population administration services in urban village areas