Transformasi Keuangan Digital Berbasis Artificial Intelligence dalam Meningkatkan Financial Inclusion dan Sustainable Finance

Abstract

Transformasi keuangan digital berbasis Artificial Intelligence (AI) menjadi faktor kunci dalam meningkatkan financial inclusion dan memperkuat sustainable finance di era ekonomi digital. Meskipun adopsi teknologi keuangan terus meningkat, masih terdapat kesenjangan akses layanan keuangan serta tantangan dalam integrasi prinsip keberlanjutan. Penelitian ini bertujuan untuk menganalisis peran AI dalam mendorong inklusi keuangan dan mendukung praktik keuangan berkelanjutan melalui pendekatan konseptual. Metode penelitian menggunakan studi pustaka dan analisis konten terhadap literatur ilmiah, laporan kebijakan, serta publikasi terkait fintech, AI, dan sustainable finance. Hasil penelitian menunjukkan bahwa AI berkontribusi signifikan dalam memperluas akses layanan keuangan melalui alternative credit scoring, e-KYC, personalisasi layanan, serta penguatan manajemen risiko dan integrasi ESG dalam pembiayaan. Namun, optimalisasi manfaat AI memerlukan tata kelola yang kuat, perlindungan data, regulasi adaptif, serta peningkatan literasi keuangan dan digital. Artikel ini juga memberikan kontribusi teoretis melalui pengembangan sintesis konseptual yang mengintegrasikan hubungan antara AI, financial inclusion, dan sustainable finance dalam kerangka transformasi keuangan digital.

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Issue

Vol. 3 No. 3 (2026): Edisi Bulan April

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