DARI UANG TUNAI KE KLIK: PENDEKATAN MOBILE UNTUK KEUANGAN INKLUSIF
Keywords:
financial inclusion, mobile banking, digital financial services, inclusive finance, Indonesia, financial inclusion, mobile banking, digital financial services, inclusive finance, Indonesia
Abstract
This conceptual study examines the transformative potential of mobile banking applications in promoting financial inclusion. It highlights the transition from cash-based transactions to digital financial services and their role in expanding access to financial products and services, particularly for underserved populations in Indonesia. The study employs a literature review approach by synthesizing previous research on financial inclusion, mobile banking, and the development of digital financial systems in Indonesia. The findings indicate that mobile-based financial services have significant potential to enhance financial inclusion. Innovations such as mobile wallets, peer-to-peer payment systems, and digital lending platforms enable broader access to savings, credit, and financial protection services for unbanked and underbanked communities. However, several challenges remain, including limited digital literacy, technological infrastructure constraints, and regulatory issues that require continuous improvement. This paper contributes conceptually to the growing body of literature on digital financial inclusion and provides a foundation for future empirical research. Furthermore, the findings offer important implications for policymakers, financial institutions, and digital service providers in their efforts to expand financial access and reduce the financial inclusion gap.Downloads
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References
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Kaur, N., & Hanspal, M. (2022). Financial inclusion: A theoretical framework. Journal of Production, Operations Management and Economics (JPOME), 2(5), 9-23. doi:https://doi.org/10.55529/jpome.25.9.23
Kuntaryanto, O., Jati, A. N., Nugrahani, C., Purwanti, T., & Prakosa, C. (2025). Kontribusi Literasi Keuangan Terhadap Inklusi Keuangan Dengan Pendidikan Sebagai Variabel Pemoderasi: Studi Kasus Pada Guru Perempuan Di Kabupaten Klaten. Widya Dharma Journal of Business-WIJoB, 4(1), 49-60. doi:https://doi.org/10.54840/wijob.v4i1.370
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Lalitha, B., & Balaji, L. (2022). Mobile banking as a tool for financial inclusion. Saudi Journal of Business and Management Studies, 7(9), 285-292. doi:https://doi.org/10.36348/sjbms.2022.v07i09.006
Lyvdar, M., & Fedevych, L. (2023). Content of financial inclusion as an indicator of availability of financial services. International Scientific Journal Internauka: Series Economical Sciences, 1, 1-15. doi:https://doi.org/10.25313/2520-2294-2023-1-8554
Maisaroh, S., & Wahyuni, S. (2024). Dampak transisi uang tunai ke uang digital terhadap inklusi keuangan di Indonesia perspektif ekonomi syariah. Jurnal Ilmiah Manajemen, Ekonomi dan Akuntansi, 4(3), 13-26. doi:https://doi.org/10.55606/jurimea.v4i3.832
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Muchandigona, A. K., & Kalema, B. M. (2023). The catalytic role of mobile banking to improve financial inclusion in developing countries. International Journal of E-Services and Mobile Applications (IJESMA), 15(1), 1-21. doi:https://doi.org/10.4018/ijesma.317923
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Rahadiantino, L., & Rini, A. N. (2021). Women access and awareness of financial inclusion in Indonesia. Jurnal Ekonomi Pembangunan, 19(1), 39-50. doi:https://doi.org/10.29259/jep.v19i1.12467
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Rizieq, M., & Suwarsit, S. (2024). Transformasi Layanan Perbankan dari Antrian Panjang Menuju Banking in Your Pocket. Jurnal Multidisiplin Ilmu Akademik, 1(6), 291-299. doi:https://doi.org/10.61722/jmia.v1i6.2972
Saha, S. K., Qin, J., & Inaba, K. (2023). The impact of financial inclusion on economic growth in developing countries. Journal of Accounting, Business and Finance Research, 16(1), 12-29. doi:https://doi.org/10.55217/102.v16i1.607
Shaikh, A. A., Glavee-Geo, R., Karjaluoto, H., & Hinson, R. E. (2023). Mobile money as a driver of digital financial inclusion. Technological Forecasting and Social Change, 186, 122158. doi:https://doi.org/10.1016/j.techfore.2022.122158
Subagja, G., Ihdalumam, A., & Vidiati, C. (2025). Peluang dan tantangan fintech di Indonesia. Panuntun (Jurnal Budaya, Pariwisata, dan Ekonomi Kreatif), 2(1), 16-23. doi:https://doi.org/10.61476/5dwyra32
Suri, M. M., Pakael, R. L., Keluanan, R. A., Im, M. E., Klau, M., & Lian, Y. P. (2024). Peran Aplikasi Mobile Banking Dalam Kemudahan Transaksi Harian. EKBIS (Ekonomi & Bisnis), 12(2), 32-35. doi:https://doi.org/10.56689/ekbis.v12i2.1474
Taftazani, H., Fajri, M., Awan, N., Kertonegoro, S., & Bagaskara, V. (2025). Peran teknologi keuangan dalam mendorong inklusi keuangan di era digital. Jurnal Pendidikan Tambusai, 9(2), 20170–20173.
Wahyuni, S., Ulfa, M., Maisyarah, J., & Hendra, J. (2025). Analisis dampak financial technology (fintech) terhadap inklusi keuangan dan perkembangan UMKM di Indonesia. JAMPARING: Jurnal Akuntansi Manajemen Pariwisata dan Pembelajaran Konseling, 3(1), 244-249. doi:https://doi.org/10.57235/jamparing.v3i1.4761
Wati, V. D., Tiarani, F., Aqilah, S., & Abbas, M. K. S. (2025). Kemitraan Perbankan dan Fintech dalam Mendorong Inklusi Keuangan: Tinjauan Literatur. Sahmiyya: Jurnal Ekonomi dan Bisnis, 4(1), 179-191.
Wulandari, H. A., Astuti, R. P., & Barokah, M. (2025). Peran Teknologi Finansial (Fintech) Dalam Meningkatkan Efisiensi Layanan Keuangan di Indonesia. Menulis: Jurnal Penelitian Nusantara, 1(5), 113-120. doi:https://doi.org/10.59435/menulis.v1i5.240
Akter, U., Anwar, S., Mustafa, R., Ali, Z., & Cumilla, B. (2021). Revisiting the impact of mobile banking in financial inclusion among the developing countries. International Journal of Financial Research, 12(2), 62-74. doi:https://doi.org/10.5430/ijfr.v12n2p62
Alkaf, S. C., Said, T. H., & Yee, J. N. (2022). Financial Inclusion of the Poor and Marginalized Population in Banking: A case of Agency Banking in Malaysia. Journal of Finance and Accounting, 6(5), 1-10. doi:https://doi.org/10.53819/81018102t4104
Allaymoun, M. H., & Hamid, O. A. H. (2020). Proposed mobile application for Islamic fintech E-Salam system an approach to the financial inclusion. Paper presented at the 2020 international conference on data analytics for business and industry: Way towards a sustainable economy (ICDABI).
Anindyntha, F. A. (2020). Pengaruh Penerapan Inklusi Keuangan terhadap Pertumbuhan Ekonomi di Indonesia. Jurnal Ilmu Ekonomi JIE, 4(1), 153-164. doi:https://doi.org/10.22219/jie.v4i1.14900
Arafah, S., & Miko, J. (2023). Edukasi Peran Inklusi Keuangan Syariah Dalam Meningkatkan Stabilitas Ekonomi Masyarakat. Dinamis: Jurnal Pengabdian Kepada Masyarakat, 3(2), 108-116. doi:https://doi.org/10.33752/dinamis.v3i2.5692
Arliyanti, S. P., & Astuti, R. F. (2024). Pembangunan ekonomi berkelanjutan: Penerapan fintech terhadap inklusi keuangan pada era ekonomi digital. Journal of Economics Research and Policy Studies, 4(3), 561-571. doi:https://doi.org/10.53088/jerps.v4i3.1313
Avom, D., Bangaké, C., & Ndoya, H. (2023). Do financial innovations improve financial inclusion? Evidence from mobile money adoption in Africa. Technological Forecasting and Social Change, 190, 122451. doi:https://doi.org/10.1016/j.techfore.2023.122451
Ayem, S., Cahyaning, E. K., Ramadhan, I., Nurlitawati, M., Langkodi, H., & Trasno, F. A. (2024). Faktor-Faktor Yang Mempengaruhi Behavior Intention Terhadap Penggunaan Digital Payment: Systematic Literature Review. Jurnal Pendidikan Ekonomi (JUPE), 12(2), 196-206. doi:https://doi.org/10.26740/jupe.v12n2.p196-206
Bashir, B. K., & Muhammad, T. (2023). Factors influencing the adoption of mobile financial services in enhancing financial inclusion: Using structural equation modeling for the decision-making approach. Innovare Journal of Social Sciences, 11(2), 19-27. doi:https://doi.org/10.22159/ijss.2023.v11i2.47349
Firman, F., & Nurjihadi, M. (2023). Minat Penggunaan M-Banking Bank Konvensional Di Kabupaten Sumbawa: Implementasi Technology Acceptance Model. BIOS: Jurnal Teknologi Informasi Dan Rekayasa Komputer, 4(1), 25-33. doi:https://doi.org/10.37148/bios.v4i1.62
Fitria, D., Astuti, R., Nabilah, I., & Rachmawati, A. (2024). Analisis Peran Uang Digital Dalam Transformasi Lembaga Keuangan. Gudang Jurnal Multidisiplin Ilmu, 2(6), 637-640. doi:https://doi.org/10.59435/gjmi.v2i6.628
Gultom, M., Marpaung, R. J., & Suanti, S. (2025). Analisis Penggunaan Fintech Dalam Meningkatkan Inklusi Keuangan Mahasiswa Dengan Metode Technology Acceptance Model (TAM): Analysis of the Use of Fintech in Improving Student Financial Inclusion with the Technology Acceptance Model (TAM) Method. Jurnal Sains Komputer dan Teknologi Informasi, 7(2), 50-56. doi:https://doi.org/10.33084/jsakti.v7i2.9712
Hanifah, A., Fitri, A. O., & Bahrudin, M. B. (2025). Analisis Peran Digitalisasi terhadap Peningkatan Inklusi Keuangan Syariah di Indonesia. Inflasi: Jurnal Ekonomi, Manajemen Dan Perbankan, 2(1), 70-76. doi:https://doi.org/10.66341/inflasi.v2i1.124
Haqiqi, I. D. S., & Naim, N. (2025). Digitalisasi Layanan Keuangan: Fintech Sebagai Solusi Inklusi Keuangan. Jurnal Akuntansi, Manajemen dan Ilmu Pendidikan, 1(4), 186-200.
Kaur, N., & Hanspal, M. (2022). Financial inclusion: A theoretical framework. Journal of Production, Operations Management and Economics (JPOME), 2(5), 9-23. doi:https://doi.org/10.55529/jpome.25.9.23
Kuntaryanto, O., Jati, A. N., Nugrahani, C., Purwanti, T., & Prakosa, C. (2025). Kontribusi Literasi Keuangan Terhadap Inklusi Keuangan Dengan Pendidikan Sebagai Variabel Pemoderasi: Studi Kasus Pada Guru Perempuan Di Kabupaten Klaten. Widya Dharma Journal of Business-WIJoB, 4(1), 49-60. doi:https://doi.org/10.54840/wijob.v4i1.370
Kusuma, F. N. P., & Rachmawati, R. (2024). Faktor yang memengaruhi intensi penggunaan mobile payment berkelanjutan di kalangan Gen Z: Ekstensi dari expectation confirmation model. Journal of Youth and Outdoor Activities, 1(2), 102-128. doi:https://doi.org/10.61511/jyoa.v1i2.2024.1390
Lalitha, B., & Balaji, L. (2022). Mobile banking as a tool for financial inclusion. Saudi Journal of Business and Management Studies, 7(9), 285-292. doi:https://doi.org/10.36348/sjbms.2022.v07i09.006
Lyvdar, M., & Fedevych, L. (2023). Content of financial inclusion as an indicator of availability of financial services. International Scientific Journal Internauka: Series Economical Sciences, 1, 1-15. doi:https://doi.org/10.25313/2520-2294-2023-1-8554
Maisaroh, S., & Wahyuni, S. (2024). Dampak transisi uang tunai ke uang digital terhadap inklusi keuangan di Indonesia perspektif ekonomi syariah. Jurnal Ilmiah Manajemen, Ekonomi dan Akuntansi, 4(3), 13-26. doi:https://doi.org/10.55606/jurimea.v4i3.832
Mastuti, D. F. A., & Indriyani, F. (2021). Peran mobile banking dan keuangan inklusi terhadap peningkatan profitabilitas perbankan syariah di indonesia. Bulletin of Management and Business, 2(1), 25-37.
Muchandigona, A. K., & Kalema, B. M. (2023). The catalytic role of mobile banking to improve financial inclusion in developing countries. International Journal of E-Services and Mobile Applications (IJESMA), 15(1), 1-21. doi:https://doi.org/10.4018/ijesma.317923
Nauli, K., Nauli, H., Hulu, R. A. T., Munthe, K., & Silalahi, D. (2025). Transformasi Digital Dalam Manajemen Keuangan: Tinjauan Literatur Terstruktur Terhadap Peran Fintech Dalam Efisiensi Dan Inklusi Keuangan. SIBATIK JOURNAL: Jurnal Ilmiah Bidang Sosial, Ekonomi, Budaya, Teknologi, Dan Pendidikan, 4(6), 939-952. doi:https://doi.org/10.54443/sibatik.v4i6.2836
Nuraha, N., & Diaulhaq, D. (2023). Kebijakan Bank Indonesia dalam mendorong perkembangan teknologi melalui sistem pembayaran non tunai. Ekonomi Keuangan Syariah dan Akuntansi Pajak (EKSAP), 2(3), 233-242. doi:https://doi.org/10.61132/eksap.v2i3.1311
Nyarko, E. S., Amoateng, K., & Aboagye, A. Q. Q. (2023). Financial inclusion and poverty: evidence from developing economies. International Journal of Social Economics, 50(12), 1719-1734. doi:https://doi.org/10.1108/IJSE-11-2021-0690
Rahadiantino, L., & Rini, A. N. (2021). Women access and awareness of financial inclusion in Indonesia. Jurnal Ekonomi Pembangunan, 19(1), 39-50. doi:https://doi.org/10.29259/jep.v19i1.12467
Rijaldi, G., Dewi, N. S., Arifin, F., Wiyatno, T. N., & Dasman, S. (2025). Peran Dan Manfaat Mobile Banking Dalam Mengurangi Antrian Nasabah: Tinjauan Aspek Manajemen Operasional Bank XYZ Jurnal Akuntansi, Ekonomi dan Manajemen Bisnis, 5(3), 98–105. doi:https://doi.org/10.55606/jaemb.v5i2.6329
Rizieq, M., & Suwarsit, S. (2024). Transformasi Layanan Perbankan dari Antrian Panjang Menuju Banking in Your Pocket. Jurnal Multidisiplin Ilmu Akademik, 1(6), 291-299. doi:https://doi.org/10.61722/jmia.v1i6.2972
Saha, S. K., Qin, J., & Inaba, K. (2023). The impact of financial inclusion on economic growth in developing countries. Journal of Accounting, Business and Finance Research, 16(1), 12-29. doi:https://doi.org/10.55217/102.v16i1.607
Shaikh, A. A., Glavee-Geo, R., Karjaluoto, H., & Hinson, R. E. (2023). Mobile money as a driver of digital financial inclusion. Technological Forecasting and Social Change, 186, 122158. doi:https://doi.org/10.1016/j.techfore.2022.122158
Subagja, G., Ihdalumam, A., & Vidiati, C. (2025). Peluang dan tantangan fintech di Indonesia. Panuntun (Jurnal Budaya, Pariwisata, dan Ekonomi Kreatif), 2(1), 16-23. doi:https://doi.org/10.61476/5dwyra32
Suri, M. M., Pakael, R. L., Keluanan, R. A., Im, M. E., Klau, M., & Lian, Y. P. (2024). Peran Aplikasi Mobile Banking Dalam Kemudahan Transaksi Harian. EKBIS (Ekonomi & Bisnis), 12(2), 32-35. doi:https://doi.org/10.56689/ekbis.v12i2.1474
Taftazani, H., Fajri, M., Awan, N., Kertonegoro, S., & Bagaskara, V. (2025). Peran teknologi keuangan dalam mendorong inklusi keuangan di era digital. Jurnal Pendidikan Tambusai, 9(2), 20170–20173.
Wahyuni, S., Ulfa, M., Maisyarah, J., & Hendra, J. (2025). Analisis dampak financial technology (fintech) terhadap inklusi keuangan dan perkembangan UMKM di Indonesia. JAMPARING: Jurnal Akuntansi Manajemen Pariwisata dan Pembelajaran Konseling, 3(1), 244-249. doi:https://doi.org/10.57235/jamparing.v3i1.4761
Wati, V. D., Tiarani, F., Aqilah, S., & Abbas, M. K. S. (2025). Kemitraan Perbankan dan Fintech dalam Mendorong Inklusi Keuangan: Tinjauan Literatur. Sahmiyya: Jurnal Ekonomi dan Bisnis, 4(1), 179-191.
Wulandari, H. A., Astuti, R. P., & Barokah, M. (2025). Peran Teknologi Finansial (Fintech) Dalam Meningkatkan Efisiensi Layanan Keuangan di Indonesia. Menulis: Jurnal Penelitian Nusantara, 1(5), 113-120. doi:https://doi.org/10.59435/menulis.v1i5.240
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2026-04-20
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