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One form of progress in the current financial sector is evidenced by the adaptation of Fintech, which stands for sharia P2PL Financial Technology. Financial institutions in carrying out their activities cannot be avoided what is called risk. That's why to gain profit and customer trust, financial institutions are required to have good risk management, especially fintech companies that offer convenience and efficiency in transactions, so they will be very vulnerable to various types of risks in the financing process that can affect the sustainability of the fintech itself. fintech companies, before channeling financing to potential recipients of funds, also need to be able to pay attention to various risks that may arise, both predictable and not, and also have techniques for mitigating risks from all possibilities that may occur in the future, so there is a need for strategic steps and ways to minimize existing risks. This type of research is empirical and uses a qualitative approach with secondary data source. From the explanation, it can be said that PT ALAMI Sharia has carried out Sharia fintech P2PL transactions that are following existing economic principles starting from the identification of potential recipients of funds, analysis carried out by PT ALAMI and risk mitigation carried out by PT ALAMI Syariah.

This study investigated the role of financial literacy and social influence in the actual usage of digital payment as a fintech service systems in an effort to gather information and the degree of risk that users will experience, taking into account the advantages received. This study utilized a descriptive qualitative strategy coupled with a literature review method for data collection, namely the acquisition of data from publications and journals pertaining to the usage of digital payment systems. The data analysis technique employs the approach of deriving conclusions by objectively, systematically, and generally recognizing the many specific qualities of a message. The findings indicated that financial literacy and social influence have a substantial impact on the utilization of digital payment systems. The usage of digital payment services as a type of risky financial behavior raises knowledge and comprehension of financial goods, which will affect judgments on whether or not to utilize these products. This study is limited to a literature review and paves the way for future empirical studies to analyze the elements and dimensions of financial literacy and social influence in the usage of digital payment services in more depth.

The obstruction of several business activities caused by the pandemic has led to the need for institutions that can manage and develop MSMEs in the midst of this outbreak. One of the institutions that is being developed is Sharia fintech. This research uses a literature study method where in this method the researcher uses several sources that present topics related to the research. This research also uses secondary sources where the source presents data related to Sharia fintech and MSMEs. The research technique used in this study is descriptive statistics by examining patterns to develop MSMEs using Sharia-based fintech. The results of this study revealed that currently the total assets of Sharia fintech reached 50 billion in IDR with a growth 8.32 %, which shows a significant figure compared to February 2020. Since the development of Sharia fintech, there have been 13 Sharia financial technology and there’re six companies engaged in financing 65 to develop MSMEs. The pattern used in developing MSEs that have a Sharia basis can use the role of fintech institutions not only providing financial assistance in the form of money but also providing assistance in the form of companions in developing their businesses related to MSME marketing..

The invention of electronic wallets, or "E-wallets," is the outcome of fintech's expansion. An indication that more people are beginning to use digital wallets for everyday transactions is the rise in electronic money transfers. In order to ascertain the variables influencing engineering students' intents to utilize digital wallets, this study used a quantitative methodology. This study's population and sample consisted of engineering students in Indonesia that utilize digital wallets. The sample was drawn using a probability sampling approach called simple random sampling, which was successful in gathering up to 266 respondents, and an analysis method that made use of SPSS. The study's findings demonstrate how interest in utilizing digital wallets is influenced by perceived utility and convenience. In this study, however, interest in using digital wallets is unaffected by risk perception.