Peran Modal Ventura, Inovasi Produk Keuangan, dan Regulasi Pemerintah dalam Mendorong Pertumbuhan Start-Up FinTech di Indonesia
DOI:
https://doi.org/10.58812/jbmws.v3i02.1148Kata Kunci:
FinTech, Indonesia, Modal ventura, Inovasi keuangan, Peraturan pemerintahAbstrak
Penelitian kuantitatif ini menyelidiki peran modal ventura, inovasi produk keuangan, dan regulasi pemerintah dalam mendorong pertumbuhan perusahaan rintisan FinTech di Indonesia. Dengan menggunakan desain penelitian cross-sectional, data dikumpulkan dari perusahaan-perusahaan start-up FinTech, perusahaan modal ventura, dan otoritas regulasi. Pemodelan Persamaan Struktural dengan regresi Partial Least Squares digunakan untuk menganalisis data. Hasilnya menunjukkan hubungan positif yang signifikan antara investasi modal ventura, inovasi produk keuangan, peraturan pemerintah, dan pertumbuhan start-up FinTech. Investasi modal ventura dan inovasi produk keuangan muncul sebagai pendorong utama pertumbuhan FinTech, menyoroti pentingnya akses ke modal dan kemampuan inovasi. Regulasi pemerintah juga memainkan peran penting, meskipun dampaknya tidak terlalu signifikan. Temuan-temuan ini menawarkan wawasan berharga bagi para pembuat kebijakan, investor, dan pengusaha yang beroperasi di ekosistem FinTech Indonesia, yang memberikan panduan untuk mendorong inovasi dan kewirausahaan FinTech.
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