This research aims to analyze the Cashless Payment System where cashless payments are available, what are the benefits, challenges and obstacles, the impact it has, implementation and case studies, as well as Recommendations and Best Practices. This research uses the Libery reasech research method or literature study. The results of this research are that cashless payments make transactions very easy, there are many challenges in making these payments, the implementation in the case study is also very effective, especially for Jakarta residents, the impact can also be good or bad in educational and social sectors, and there are many recommendations for maximizing cashless payments in order to maximize online payments.

Baro Gebang Beach has great potential to develop as a sustainable tourism destination. The main challenge in resource management is combining economic growth with environmental conservation. Fintech is present as an innovative solution to support tourism development in this area, by providing access to capital, community-based funding, and increasing operational efficiency. Through P2P lending, local craftsmen in Baro Gebang Beach can expand their businesses, create new jobs, and increase income. This literature review emphasizes the importance of digital literacy and cross-sector collaboration in creating an inclusive and sustainable tourism ecosystem.