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BUKTI :

1. Terpenuhi
2.Terpenuhi

What is the core definition of fintech, and how does it differ from traditional finance?
Identify and describe at least three key drivers of the recent fintech boom.
What are the main categories of fintech companies, and how do they differentiate themselves?

Jawab:

1.Fintech is the application of digital technology to improve, innovate, or automate financial services and processes

Traditional Finance
Services offered through physical branches, face-to-face interactions, paper-based processes.

Fintech

Services delivered digitally via mobile apps, online platforms, and cloud-based solutions.

2. Three Main Drivers of Fintech Growth

Digitalization & Smartphones
- People can easily access financial services through mobile apps.
- Example: e-wallets (PayPal, GoPay, OVO).
Changing Consumer Needs
- Customers want fast, simple, and convenient services.
- Example: online lending (P2P) with quick approval.
Advances in Technology
- AI, Big Data, and Blockchain make services safer, faster, and more personalized.
- Example: robo-advisors for automated investing.