RegTech sebagai Strategi Manajemen Berkelanjutan dalam Penguatan Ekosistem Finansial Digital: Systematic Literature Review Implementasi AI untuk Credit Scoring dan Supply Chain Finance di Era Ekonomi Global
DOI:
https://doi.org/10.47747/snfmi.v3i1.3150Abstract
This study aims to analyze sustainable management strategies through strengthening the RegTech-based financial ecosystem with AI optimization in credit scoring and supply chain finance to support the resilience of Indonesia's industrial and maritime economy in the face of global volatility and prevent public losses due to data manipulation, such as those that occurred in the Investree and eFishery cases. This study uses a qualitative approach and a systematic literature review (SLR) of international journals indexed in the Emerald platform (2015-2025) that discuss the implementation of RegTech in the financial services sector, with inclusion criteria focused on regulatory technology and exclusion of journals irrelevant to the financial industry. The findings show that AI-based RegTech can improve real-time monitoring, anomaly detection, and the accuracy of credit risk assessments, as well as supply chain finance security, but faces challenges of data fragmentation, outdated systems, algorithmic bias, and regulatory complexity that require modern, collaborative infrastructure. The study's limitations lie in its reliance on a single data source and in generalizing across emerging market countries, with implications for the need to develop an Integration Platform as a sustainable regulatory sandbox to integrate the fintech ecosystem and support national economic resilience. This research makes an original contribution by identifying a sustainable RegTech management model specific to the Indonesian context and recommending strategies to strengthen the industrial and maritime-based economy through AI optimization, underscoring the significance of the study's findings for the future of RegTech in Indonesia.
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