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.

Sharia investment is increasingly gaining attention throughout the world as an investment alternative that is in accordance with Islamic principles. This article aims to analyze whether sharia investment is the best choice or a burden in the future. By examining financial aspects, regulations and their impact on the global economy, this research evaluates the potential and challenges of sharia investment in the ever-growing global market. The main focus of this article is to understand how the Islamic investment market can develop amidst increasingly dominant conventional financial market trends, as well as identifying challenges that investors and policy makers may face. The analysis results show that although sharia investment offers significant advantages in terms of compliance with moral and ethical values, there are several obstacles that must be overcome, such as product and liquidity limitations. Thus, sharia investment could be the best choice in the future if it can overcome these challenges and adapt to increasingly complex market needs.