Systematic Literature Review: Pemanfaatan Financial Technology sebagai Media Pembelajaran Literasi Keuangan
DOI:
https://doi.org/10.62238/chatra.v4i2.440Keywords:
financial technology, literasi keuangan, media pembelajaran, keuangan digital, systematic literature reviewAbstract
Perkembangan pesat Financial Technology (FinTech) telah mengubah cara individu mengakses layanan keuangan sekaligus meningkatkan pengetahuan dan kemampuan mereka dalam mengambil keputusan keuangan. Meskipun demikian, tingkat literasi keuangan di banyak negara masih tergolong rendah sehingga diperlukan pendekatan pembelajaran yang inovatif dan berbasis teknologi. Penelitian ini bertujuan untuk mengkaji tren penelitian mengenai pemanfaatan FinTech sebagai media pembelajaran literasi keuangan, mengidentifikasi jenis-jenis FinTech yang digunakan, serta mengeksplorasi manfaat dan tantangan implementasinya. Penelitian ini menggunakan metode Systematic Literature Review (SLR) dengan mengacu pada pedoman PRISMA 2020. Artikel diperoleh dari basis data Scopus dan diseleksi melalui tahapan identifikasi, penyaringan, penilaian kelayakan, serta inklusi. Hasil kajian menunjukkan adanya peningkatan publikasi yang signifikan pada periode 2022–2026 dengan jumlah publikasi tertinggi pada tahun 2025. Berbagai aplikasi FinTech yang banyak dimanfaatkan meliputi sistem pembayaran digital, mobile banking, dompet digital, platform investasi digital, aplikasi pengelolaan keuangan pribadi, perangkat pembelajaran berbasis kecerdasan buatan, dan gamifikasi. Secara umum, FinTech berkontribusi dalam meningkatkan literasi keuangan, mendorong perilaku keuangan yang positif, memperluas inklusi keuangan, serta meningkatkan kesejahteraan finansial. Namun, efektivitasnya dipengaruhi oleh tingkat literasi digital, aksesibilitas teknologi, keamanan data, dan kesiapan pengguna.
Financial Technology (FinTech) has transformed the way individuals access financial services and develop financial knowledge and decision-making skills. However, financial literacy levels remain relatively low in many countries, highlighting the need for innovative and technology-driven learning approaches. This study examines research trends on the use of FinTech as a medium for financial literacy education, identifies the types of FinTech employed, and explores their benefits and implementation challenges. A Systematic Literature Review (SLR) was conducted following the PRISMA 2020 guidelines. Articles were collected from the Scopus database and selected through identification, screening, eligibility assessment, and inclusion stages. The findings reveal a substantial increase in publications between 2022 and 2026, with the highest output recorded in 2025. Commonly utilized FinTech tools include digital payment systems, mobile banking, e-wallets, investment platforms, personal finance applications, artificial intelligence-based learning tools, and gamified learning environments. Overall, FinTech enhances financial literacy, encourages positive financial behavior, promotes financial inclusion, and supports financial well-being. Nevertheless, its effectiveness depends on digital literacy, technological accessibility, data security, and user readiness
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