{"id":13407,"date":"2020-12-02T15:30:49","date_gmt":"2020-12-02T08:30:49","guid":{"rendered":"https:\/\/campuspedia.id\/kabar\/?p=13407"},"modified":"2020-12-01T13:46:48","modified_gmt":"2020-12-01T06:46:48","slug":"jenis-fintech-di-indonesia","status":"publish","type":"post","link":"https:\/\/campuspedia.id\/news\/jenis-fintech-di-indonesia\/","title":{"rendered":"Apa Itu Fintech? 4 Jenis Fintech di Indonesia"},"content":{"rendered":"<p style=\"text-align: justify;\"><strong>Apa Itu <em>Fintech, <\/em>Jenis-Jenis <em>Fintech <\/em>di Indonesia, Jenis <em>Fintech <\/em>dan Perbedaannya\u2014<\/strong>Belum optimalnya peran perbankan di sektor jasa keuangan dan masih banyak masyarakat yag belum bisa mengakses perbankan menjadi alasan dimana <em>fintech <\/em>akan terus bertumbuh di Indonesia. Pernahkah Sobat mendengar istilah <em>fintech<\/em>? Atau mungkin tidak sadar sudah menggunakan <em>fintech <\/em>dalam kehidupan sehari-hari? Yuk, kita kupas tuntas <strong>apa itu <em>fintech, <\/em>jenis-jenis <em>fintech <\/em>di Indonesia, hingga jenis <em>fintech <\/em>dan perbedaannya<\/strong>.<\/p>\n<h3 style=\"text-align: justify;\"><strong>Apa itu <em>fintech<\/em>?<\/strong><\/h3>\n<p style=\"text-align: justify;\"><em>Fintech <\/em>merupakan akronim (singkatan) dari <em>financial technology, <\/em>secara harfiah berarti teknologi keuangan. Menurut National Digital Research Center (NDRC), <em>fintech <\/em>merupakan inovasi dalam bidang jasa keuangan atau finansial. Inovasi yang dimaksud adalah inovasi finansial yang diberikan sentuhan teknologi modern.<\/p>\n<p style=\"text-align: justify;\">Bank Indonesia mendefinisikan <em>fintech <\/em>sebagai hasil gabungan antara jasa keuangan dengan teknologi yang akhirnya mengubah model bisnis dari konvensional menjadi moderat, yang awalnya dalam membayar harus bertatap muka dan membawa sejumlah uang kas (tunai), kini dapat melakkukan transaksi jarak jauh dengan melakukan pembayaran yang dapat dilakukan dalam hitungan detik saja.<\/p>\n<blockquote>\n<p style=\"text-align: justify;\"><strong>Baca Juga: <span style=\"color: #3366ff;\"><em><a style=\"color: #3366ff;\" href=\"https:\/\/campuspedia.id\/kabar\/cara-membangun-usaha-online\/\">5 Langkah Mudah Membangun Usaha Online Dari Nol<\/a><\/em><\/span><\/strong><\/p>\n<\/blockquote>\n<h4 style=\"text-align: justify;\"><strong>Keuntungan adanya fintech<\/strong><\/h4>\n<p style=\"text-align: justify;\">Hadirnya <em>fintech <\/em>tentu memberi keuntungan bagi banyak pihak yang terlibat. Dari sisi konsumen, <em>fintech <\/em>dapat memberi keuntungan berupa:<\/p>\n<ul style=\"text-align: justify;\">\n<li>Mendapatkan layanan yang lebih baik<\/li>\n<li>Pilian yang lebih banyak<\/li>\n<li>Harga yang lebih murah<\/li>\n<\/ul>\n<p style=\"text-align: justify;\">Dari sisi pemain <em>fintech <\/em>atau pedagang produk dan jasa <em>fintech <\/em>bis amembantu menyederhanakan rantai transaksi, menekan biaya operasional dan biaya modal, serta membekukan alur informasi.<\/p>\n<p style=\"text-align: justify;\">Hadirnya <em>fintech <\/em>juga memberi keuntungan bagi negara, yaitu dapat mendorong transmisi kebijakan ekonomi, meningkatkan kecepatan perputaran uang sehingga meningkatkan ekonomi masyarakat, serta di Indonesia sendiri <em>fintech <\/em>turut mendorong Strategi Nasional Keuangan Inklusif (SKNI).<\/p>\n<h4 style=\"text-align: justify;\"><strong>Regulasi fintech di Indonesia<\/strong><\/h4>\n<p style=\"text-align: justify;\">Dengan pertumbuhan <em>fintech <\/em>yang pesat, pemerintah Indonesia telah mengatur regulasi untuk <em>fintech <\/em>yang tertuang dalam:<\/p>\n<ul style=\"text-align: justify;\">\n<li>Peraturan Bank Indonesia No. 18\/40\/PBI\/2016 tentang Penyelenggaraan Pemrosesan Transaksi Pembayaran<\/li>\n<li>Surat Edaran Bank Indonesia No. 18\/22\/DKSP perihal Penyelenggaraan Layanan Keuangan Digital<\/li>\n<li>Peraturan Bank Indonesia No. 18\/17\/PBI\/2016 tentang Uang Elektronik<\/li>\n<\/ul>\n<blockquote>\n<p style=\"text-align: justify;\"><strong>Baca Juga:\u00a0<\/strong><span style=\"color: #3366ff;\"><em><strong><a style=\"color: #3366ff;\" href=\"https:\/\/campuspedia.id\/kabar\/kkn-vs-magang\/\">KKN vs Magang, Lebih Enak Mana?<\/a><\/strong><\/em><\/span><\/p>\n<\/blockquote>\n<h3 style=\"text-align: justify;\"><strong>Jenis-Jenis Fintech di Indonesia<\/strong><\/h3>\n<p style=\"text-align: justify;\"><em>Fintech <\/em>hadir dalam berbagai jenis. Otoritas Jasa Keuangan (OJK) sendiri mengklasifikasikan jenis-jenis <em>fintech <\/em>di Indonesia ke dalam dua kategori, yaitu:<\/p>\n<ol>\n<li><strong>Fintech 2.0 :<\/strong> layanan keuangan digital yang dioperasikan lembaga keuangan seperti Mandiri Online besutan Bank Mandiri<\/li>\n<li><strong>Fintech 3.0 :<\/strong><strong>\u00a0<\/strong><em>startup <\/em>teknologi yang memiliki produk dan jasa inovasi keuangan<\/li>\n<\/ol>\n<h3 style=\"text-align: justify;\"><strong>Jenis Fintech dan perbedaannya<\/strong><\/h3>\n<p style=\"text-align: justify;\">Bank Indonesia mengkategorikan jenis <em>fintech <\/em>dan perbedaannya menjadi empat kategori, yaitu:<\/p>\n<h4 style=\"text-align: justify;\"><strong><em>Crowdfunding <\/em>dan <em>Peer to Peer Lending<\/em><\/strong><\/h4>\n<figure id=\"attachment_13411\" aria-describedby=\"caption-attachment-13411\" style=\"width: 712px\" class=\"wp-caption aligncenter\"><img decoding=\"async\" class=\" wp-image-13411\" src=\"https:\/\/campuspedia.id\/kabar\/wp-content\/uploads\/2020\/12\/kitabisa.com-logo-kitabisa-apa-itu-fintech-300x201.jpg\" alt=\"kitabisa.com, logo kitabisa, apa itu fintech\" width=\"712\" height=\"477\" srcset=\"https:\/\/campuspedia.id\/news\/wp-content\/uploads\/2020\/12\/kitabisa.com-logo-kitabisa-apa-itu-fintech-300x201.jpg 300w, https:\/\/campuspedia.id\/news\/wp-content\/uploads\/2020\/12\/kitabisa.com-logo-kitabisa-apa-itu-fintech.jpg 677w\" sizes=\"(max-width: 712px) 100vw, 712px\" \/><figcaption id=\"caption-attachment-13411\" class=\"wp-caption-text\">kitabisa.com<\/figcaption><\/figure>\n<p style=\"text-align: justify;\">Kedua jenis <em>fintech <\/em>ini menawarkan jasa untuk mempertemukan pemilik dana dengan pengusaha <em>startup <\/em>ataupun UMKM yang sedang membutuhkan dana. Namun perbedaannya pada \u00a0<em>crowdfunding <\/em>sejumla pemilik dana akan membiayai proyek atau bisnis seseorang secara bersama-sama dengan pemilik dana lainnya, atau dengan kata lain seperti patungan atau urunan. Sementara itu, pada <em>peer to peer lending <\/em>kreditur dan debitur melakukan praktik pinjam meminjam tanpa tatap muka.<\/p>\n<p style=\"text-align: justify;\">Contoh situs <em>crowdfunding <\/em>di Indonesia yaitu <a href=\"https:\/\/kitabisa.com\/\">Kitabisa<\/a>, <a href=\"https:\/\/www.kickstarter.com\/\">Kickstarter<\/a>, dan <a href=\"https:\/\/www.indiegogo.com\/\">Indiegogo<\/a>. Sedangkan contoh situs <em>peer to peer lending <\/em>yang bisa Sobat temui di Indonesia yaitu <a href=\"https:\/\/koinworks.com\/\">Koinworks<\/a>, <a href=\"https:\/\/www.investree.id\/\">Investree<\/a>, <a href=\"https:\/\/amartha.com\/\">Amartha<\/a>, dan <a href=\"https:\/\/modalku.co.id\/\">Modalku<\/a>.<\/p>\n<h4 style=\"text-align: justify;\"><strong><em>Payment, Clearing, <\/em>dan <em>Settlement<\/em><\/strong><\/h4>\n<p style=\"text-align: justify;\">\n<figure id=\"attachment_13410\" aria-describedby=\"caption-attachment-13410\" style=\"width: 642px\" class=\"wp-caption aligncenter\"><img decoding=\"async\" class=\" wp-image-13410\" src=\"https:\/\/campuspedia.id\/kabar\/wp-content\/uploads\/2020\/12\/gopay-logo-gopay-jenis-jenis-fintech-di-indonesia-e1606804359580-300x156.jpg\" alt=\"gopay, logo gopay, jenis-jenis fintech di indonesia\" width=\"642\" height=\"334\" srcset=\"https:\/\/campuspedia.id\/news\/wp-content\/uploads\/2020\/12\/gopay-logo-gopay-jenis-jenis-fintech-di-indonesia-e1606804359580-300x156.jpg 300w, https:\/\/campuspedia.id\/news\/wp-content\/uploads\/2020\/12\/gopay-logo-gopay-jenis-jenis-fintech-di-indonesia-e1606804359580.jpg 554w\" sizes=\"(max-width: 642px) 100vw, 642px\" \/><figcaption id=\"caption-attachment-13410\" class=\"wp-caption-text\">GoPay<\/figcaption><\/figure>\n<p style=\"text-align: justify;\"><em>Fintech <\/em>ini bergerak di bidang pembayaran. <em>Fintech payment gateway <\/em>menghubungkan bisnis e-commerce dengan berbagai bank sehingga penjual dan pembeli dapat melakukan transaksi. Contoh <em>fintech payment gateway <\/em>yaitu seperti Doku dan Midtrans.<\/p>\n<p style=\"text-align: justify;\">Bentuk lain layanan <em>fintech <\/em>kategori ini berupa e-wallet atau dompet elektronik. E-wallet memungkinkan penggunanya menyimpan uang di aplikasi tersebut dan dapat digunakan bertransaksi kapanpun dan dimanapun. Selain mudah digunakan, pengguna e-wallet juga tidak perlu kesusahan berurusan dengan uang kembalian. Contoh e-wallet yang sering kita temui yaitu <a href=\"https:\/\/www.ovo.id\/\">OVO<\/a>, <a href=\"https:\/\/www.gojek.com\/gopay\/\">GoPay<\/a>, dan <a href=\"https:\/\/www.linkaja.id\/\">LinkAja<\/a>.<\/p>\n<blockquote>\n<p style=\"text-align: justify;\"><strong>Baca Juga: <span style=\"color: #3366ff;\"><em><a style=\"color: #3366ff;\" href=\"https:\/\/campuspedia.id\/kabar\/rumus-microsoft-excel-bagi-pemula\/\">Kuasai Rumus Dasar Microsoft Excel Bagi Pemula Ini Agar Tugas dan Pekerjaan Terbantu!<\/a><\/em><\/span><\/strong><\/p>\n<\/blockquote>\n<h4 style=\"text-align: justify;\"><strong><em>Market Aggregator <\/em>atau <em>Provisioning<\/em><\/strong><\/h4>\n<figure id=\"attachment_13409\" aria-describedby=\"caption-attachment-13409\" style=\"width: 719px\" class=\"wp-caption aligncenter\"><img decoding=\"async\" class=\" wp-image-13409\" src=\"https:\/\/campuspedia.id\/kabar\/wp-content\/uploads\/2020\/12\/cekaja-cek-aja-logo-cekaja-jenis-fintech-dan-perbedaannya-300x151.png\" alt=\"cekaja, cek aja, logo cekaja, jenis fintech dan perbedaannya\" width=\"719\" height=\"362\" srcset=\"https:\/\/campuspedia.id\/news\/wp-content\/uploads\/2020\/12\/cekaja-cek-aja-logo-cekaja-jenis-fintech-dan-perbedaannya-300x151.png 300w, https:\/\/campuspedia.id\/news\/wp-content\/uploads\/2020\/12\/cekaja-cek-aja-logo-cekaja-jenis-fintech-dan-perbedaannya-360x180.png 360w, https:\/\/campuspedia.id\/news\/wp-content\/uploads\/2020\/12\/cekaja-cek-aja-logo-cekaja-jenis-fintech-dan-perbedaannya.png 709w\" sizes=\"(max-width: 719px) 100vw, 719px\" \/><figcaption id=\"caption-attachment-13409\" class=\"wp-caption-text\">cekaja.com<\/figcaption><\/figure>\n<p style=\"text-align: justify;\"><em>Fintech market aggregator <\/em>akan menyimpan data tentang berbagai produk keuangan yang tersedia di pasaran. Portal <em>market aggregator <\/em>dapat menyajikan data tentang berbagai aspek produk keuangan seperti harga, fitur, dan manfaatnya.<\/p>\n<p style=\"text-align: justify;\">Ketika Sobat ingin mengajukan Kredita Tanpa Agunan (KTA), Sobat dapat mengunjungi portal <em>market aggregator <\/em>seperti <a href=\"https:\/\/www.cekaja.com\/\">Cekaja<\/a>, <a href=\"https:\/\/www.cermati.com\/\">Cermati<\/a>, atau <a href=\"https:\/\/kreditgogo.com\/\">KreditGogo<\/a>. <em>Market aggregator <\/em>tersebut akan menampilkan data aspek dan keunggulan dari setiap bank penerbit KTA, sehingga Sobat dapat mempertimbangkan dan memilih produk yang tepat sesuai dengan kebutuhan Sobat.<\/p>\n<h4 style=\"text-align: justify;\"><strong>Manajemen Risiko dan Investasi<\/strong><\/h4>\n<figure id=\"attachment_13408\" aria-describedby=\"caption-attachment-13408\" style=\"width: 726px\" class=\"wp-caption aligncenter\"><img decoding=\"async\" class=\" wp-image-13408\" src=\"https:\/\/campuspedia.id\/kabar\/wp-content\/uploads\/2020\/12\/bibit.com-bibit-logo-bibit-logo-bibit.com-apa-itu-fintech-300x188.jpg\" alt=\"bibit.com bibit logo bibit logo bibit.com apa itu fintech\" width=\"726\" height=\"455\" srcset=\"https:\/\/campuspedia.id\/news\/wp-content\/uploads\/2020\/12\/bibit.com-bibit-logo-bibit-logo-bibit.com-apa-itu-fintech-300x188.jpg 300w, https:\/\/campuspedia.id\/news\/wp-content\/uploads\/2020\/12\/bibit.com-bibit-logo-bibit-logo-bibit.com-apa-itu-fintech.jpg 744w\" sizes=\"(max-width: 726px) 100vw, 726px\" \/><figcaption id=\"caption-attachment-13408\" class=\"wp-caption-text\">bibit.com<\/figcaption><\/figure>\n<p style=\"text-align: justify;\"><em>Fintech <\/em>manajemen risiko dan investasi dapat membantu Sobat dalam mengambil keputusan terkait langkah finansial tertentu, seperti memantau kondisi keuangan dan melakukan perencanaan keuangan dengan lebih mudah dan praktis.<\/p>\n<p style=\"text-align: justify;\">Beberapa <em>fintech <\/em>manajemen risiko dan investasi yang populer di Indonesia yaitu <a href=\"https:\/\/bibit.com\">Bibit<\/a>, <a href=\"https:\/\/www.bareksa.com\/\">Bareksa,<\/a> <a href=\"http:\/\/cekpremi.com\/\">Cekpremi<\/a>, dan <a href=\"https:\/\/pasarpolis.com\/\">Pasarpolis<\/a>. Melalui beberapa <em>fintech <\/em>tersebut dapat membantu Sobat untuk menempatkan dana yang Sobat miliki di instrument investasi atau asuransi yang tepat.<\/p>\n<p style=\"text-align: justify;\">\n<p style=\"text-align: justify;\"><strong>Referensi:<\/strong><\/p>\n<p style=\"text-align: justify;\"><a href=\"https:\/\/www.bi.go.id\/id\/edukasi-perlindungan-konsumen\/edukasi\/produk-dan-jasa-sp\/fintech\/Pages\/default.aspx\"><em>Bank Indonesia<\/em>\u00a0<\/a><\/p>\n<p style=\"text-align: justify;\"><a href=\"https:\/\/www.online-pajak.com\/tentang-pajak-pribadi\/fintech\"><em>Online Pajak<\/em><\/a><\/p>\n<p>&nbsp;<\/p>\n<h4>Jangan Lupa! Kunjungi\u00a0<a href=\"https:\/\/campuspedia.id\/kabar\/merasa-tergerak-dengan-isu-lingkungan-ini-4-hal-yang-bisa-kamu-lakukan\/\">Campuspedia<\/a>\u00a0di:<\/h4>\n<ul>\n<li><a href=\"https:\/\/www.instagram.com\/campuspedia\/?hl=id\">Instagram<\/a><\/li>\n<li><a href=\"https:\/\/www.linkedin.com\/company\/campuspedia-id\/\">LinkedIn<\/a><\/li>\n<li><a href=\"https:\/\/www.facebook.com\/campuspedia\">Facebook<\/a><\/li>\n<li><a href=\"https:\/\/twitter.com\/campuspedia_id\">Twitter<\/a><\/li>\n<li><a href=\"https:\/\/www.youtube.com\/channel\/UCPGrmZDHa5W4lCEudr8yYkA\">Youtube<\/a><\/li>\n<li><a href=\"https:\/\/page.line.me\/gso5731t\">Official Account LINE.<\/a><\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"<p>Apa Itu Fintech, Jenis-Jenis Fintech di Indonesia, Jenis Fintech dan Perbedaannya\u2014Belum optimalnya peran perbankan di sektor jasa keuangan dan masih banyak masyarakat yag belum bisa mengakses perbankan menjadi alasan dimana fintech akan terus bertumbuh di Indonesia. Pernahkah Sobat mendengar istilah fintech? Atau mungkin tidak sadar sudah menggunakan fintech dalam kehidupan sehari-hari? Yuk, kita kupas tuntas [&hellip;]<\/p>\n","protected":false},"author":180,"featured_media":13412,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[30417,137,30418,77],"tags":[36700,19556,6835],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v20.10 (Yoast SEO v20.10) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Apa Itu Fintech? 4 Jenis Fintech di Indonesia - Campuspedia News<\/title>\n<meta name=\"description\" content=\"Apa Itu Fintech, Jenis-Jenis Fintech di Indonesia, Jenis Fintech dan Perbedaannya \u2014 Belum optimalnya peran perbankan di sektor jasa keuangan\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/campuspedia.id\/news\/jenis-fintech-di-indonesia\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Apa Itu Fintech? 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