Vol. 6 No. 1 (2026): Jurnal Pena Wimaya
Articles

TRANSFORMASI DIGITAL MELALUI ADAPTASI FINTECH DI KAWASAN ASEAN

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  • Yosua Saut Marulitua Gultom,
  • Najwa Khabiza Egaikmal,
  • Andrew Matthew Sianturi,
  • Abel Josafat Manullang
Yosua Saut Marulitua Gultom
Universitas Pembangunan Nasional Veteran Jakarta
Najwa Khabiza Egaikmal
Universitas Pembangunan Nasional Veteran Jakarta
Andrew Matthew Sianturi
Universitas Pembangunan Nasional Veteran Jakarta
Abel Josafat Manullang
Universitas Padjajaran
DOI: https://doi.org/10.31315/jpw.v6i1.12542

Published 2026-02-02

Copyright Notice

Abstract

Tulisan ini berusaha untuk menjelaskan fenomena perkembangan teknologi yang mendorong transformasi digital bidang ekonomi di ASEAN. Melalui kerangka kerja yang telah tercipta seperti ASEAN Digital Economy Framework Agreement (DEFA) dan ASEAN Economic Community, negara-negara ASEAN telah menunjukkan komitmen untuk menciptakan lingkungan yang ramah teknologi dalam kegiatan ekonomi. Bersamaan dengan hal itu, teknologi finansial adalah fasilitas yang berpotensi mengarahkan ASEAN pada tahap-tahap perubahan dan transformasi hingga akhirnya berada pada level masyarakat 5.0. Perubahan level yang bersifat sosio-ekonomi ini pada akhirnya memuat tantangan yang perlu untuk diperhatikan oleh para aktor sehingga dapat menjawab peluang dengan lebih tepat sasaran. Tulisan ini menggunakan metode penulisan kualitatif dengan pengambilan data dari studi pustaka dan liputan media.

Kata Kunci: ASEAN, Transformasi Digital, Masyarakat 5.0

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