Muharman Lubis
ABSTRACT
Financial technology (FinTech) is the attempt to collaborate technology and financial solution to enable easiness in delivering the service to the consumers by ensuring the availability, integrity and accuracy in the transaction. Therefore, the rising implementation of Fintech create large opportunities in the market and various type of risk that should be considered carefully and accordingly due to legal implication and consequences, which policy makers are required to align perspective between service provider and application user. This study want to investigate the utilization of financial technology application and management in Indonesia to understand on how this type of disruptive innovation can emerge and flourish to bring good balancing between profit and growth to every stakeholders and relevant organization. It is focusing to the concept of objective direction that can be choose, the maturity points that can be achieved in several time frame and the quality assessment of feature offered.
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