PEMETAAN PERKEMBANGAN RISET ISLAMIC FINTECH: ANALISIS BIBLIOMETRIK DAN SYSTEMATIC LITERATURE REVIEW TAHUN 2018–2025
Abstract
Perkembangan Islamic fintech dalam tujuh tahun terakhir menunjukkan peningkatan signifikan baik dari sisi jumlah publikasi, cakupan tema, maupun integrasi teknologi dalam ekosistem keuangan syariah global. Penelitian ini bertujuan untuk memetakan tren, tema, dan arah perkembangan riset Islamic fintech melalui metode Systematic Literature Review (SLR) terhadap publikasi ilmiah bereputasi dan terindeks Scopus selama periode 2018–2025. Analisis dilakukan untuk mengidentifikasi pola publikasi, penulis dan negara paling berpengaruh, klaster topik penelitian, serta kebaruan tema yang berkembang. Hasil penelitian menunjukkan bahwa publikasi mengenai Islamic fintech mengalami lonjakan konsisten, dengan Indonesia, Malaysia, dan kawasan Timur Tengah sebagai kontributor utama. Pemetaan bibliometrik mengungkap empat klaster tematik besar, yaitu (1) adopsi dan inovasi teknologi, (2) inklusi keuangan dan dampak sosial-ekonomi, (3) digitalisasi instrumen keuangan sosial Islam seperti zakat, wakaf, dan crowdfunding, serta (4) tantangan regulasi dan Shariah governance. Analisis kebaruan menunjukkan pergeseran fokus dari kajian konseptual ke arah teknologi mutakhir seperti blockchain, cryptocurrency, artificial intelligence, dan tata kelola syariah digital. Temuan ini menegaskan bahwa Islamic fintech bukan hanya instrumen digital keuangan syariah, tetapi juga pilar strategis untuk memperkuat inklusi keuangan, meningkatkan efisiensi sistem, serta mendorong transformasi digital yang berkelanjutan dalam industri keuangan Islam. Penelitian ini memberikan kontribusi berupa pemetaan komprehensif landscape riset Islamic fintech dan rekomendasi arah penelitian di masa depan, meskipun dibatasi oleh penggunaan satu basis data Scopus.
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