Analysis Of The Impact Of The Use Of Digital Financial Information Systems In The Finance & Accounting Division At PT Finnet Indonesia
Keywords:
Digital Financial Information System, Finpay, Technology Acceptance Model, Operational Efficiency, Accuracy, Transparency, Digital Transformation, PT Finnet Indonesia
Abstract
This study aims to analyze the impact of utilizing the Finpay digital financial information system on the performance of the Finance & Accounting Division at PT Finnet Indonesia. Employing a descriptive qualitative approach with a case study method, this research collected primary data through observations during an internship from February to June 2023 and semi-structured interviews with six respondents in August 2025, as well as secondary data from internal company documents and academic literature. The Technology Acceptance Model (TAM) framework was used to analyze perceived usefulness and perceived ease of use. The findings indicate that the Finpay system enhances operational efficiency, data recording accuracy, and transparency through the automation of transaction and financial reporting processes in real-time. This study provides practical insights for PT Finnet Indonesia to optimize digital transformation in the financial sector.
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Surachman, A. E. (2024). Financial Management in the Digital Era.
Tohirin, T. (2018). The Challenge of the Central Government in Changing the Accounting and Financial Reporting System from Half Accrual Accounting to Full Accrual Accounting. Talent Conference Series: Local Wisdom, Social, and Arts (LWSA), 1(1), 044–048. https://doi.org/10.32734/lwsa.v1i1.138
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Alhamidi. (2020). Design of Boutique Financial Information System. Journal of Business Information Technology and Systems, 2(1), 33–45.
Andarwati, M., Zuhroh, D., & Amrullah, F. (2020). Determinants of Perceived Usefulness and End-User Accounting Information System in SMEs. International Journal of Advanced Science and Technology, 29(8 Special Issue), 46–61.
Andreani, Y., & Syafina, L. (2022). Accountability and Transparency of Information Technology-Based Financial Statements at the National Amil Zakat Agency of Deli Serdang Regency. AKUA: Journal of Accounting and Finance, 1(2), 203–209. https://doi.org/10.54259/akua.v1i2.771
Anriva, D. H. (2024). Challenges and Solutions for the Implementation of Accounting Information Systems in Indonesia: A Thematic Analysis. Journal of Accounting, 13(2), 97–109. https://doi.org/10.46806/ja.v13i2.1182
Arianto, F., Susarno, L. H., Dewi, U., & Safitri, A. F. (2020). Model of Acceptance and Utilization of Technology: E-Learning in Higher Education. Journal of Educational Technology, 8(1), 110. https://doi.org/10.31800/jtp.kw.v8n1.p110--121
Artha, B., Sari, U. T., Sari, N. P., Khairi, A., Bahri, & Suhartini, T. (2023). Digital Finance: A Literature Review. Entrepreneurship Business Management Accounting (E-BISMA), 4(1), 84–91. https://doi.org/10.37631/ebisma.v4i1.626
Asri, A., Ainun, N., Siregar, N., Liza, S., & Hidayatullah, R. (2024). Development of a technology-based school financial system to support the transformation of society 5.0. COURTESY: Journal of Islamic Education, 2, 216–224.
Beirne, J., & Fernandez, D. G. (2023). Digital Finance and Sustainability: Impacts, Challenges, and Policy Priorities. Sustainability, 15(20), 14830. https://www.mdpi.com/2071-1050/15/20/14830
Budiman, N. F. S., Manossoh, H., & Wokas, H. R. N. (2024). Analysis of the Utilization of the FMIS (Financial Management Information System) Application in Fulfilling the Accountability of the Financial Statements of the Sangihe Islands Regional Population Control and Family Planning Office. EMBA Journal, 12(3), 902–911.
Fadli, M. R. (2021). Understand the design of qualitative research methods. Humanika, 21(1), 33–54. https://doi.org/10.21831/hum.v21i1.38075
Fajriyani, D., Fauzi, A., Kurniawati, M. D., Dewo, A. Y. P., Baihaqi, A. F., & Nasution, Z. (2024). Challenges of Human Resources Competencies in Facing the Digital Era. Journal of Information Systems Management Economics, 1(02), 53–59. https://doi.org/10.70508/2egxeq43
Finnet Indonesia. (2023). Company Profile of PT Finnet Indonesia. https://fintech.id/id/member/detail/223
Finpay. (2020). About PT Finnet Indonesia. https://www.finpay.id/tentangkami
Flick, U. (2022). An Introduction to Qualitative Research.
Gunawan, S., & Nengzih, N. (2023). The Influence of Accounting Information System Quality, Accounting Information Quality and Accounting Information System Security on End User Satisfaction of S4/Hana System Application Product (SAP) with Perceived Usefulness as a Moderating Variable at PT. Saudi Journal of Economics and Finance, 7(1), 22–32. https://doi.org/10.36348/sjef.2023.v07i01.003
Hadiana, A., & Hamdani, N. A. (2022). Analysis of Receipt of the Financial Information Recording Application System (SIAPIK) Using the Technology Acceptance Model in Garutan Batik SMEs. Business Innovation and Entrepreneurship Journal. https://doi.org/10.35899/biej.v4i3.425
Hariyanti, I. (2022). The Relationship between the Effectiveness of Internal Control and Enterprise Resource Planning (ERP) at Camille's Consulting Office, Semarang. JAKA (Journal of Accounting, Finance, and Auditing), 3(1), 9–14. https://doi.org/10.56696/jaka.v3i1.6641
Huberman, A. (2019). Qualitative Data Analysis a Methods Sourcebook.
Korstjens, I., & Moser, A. (2018). Series: Practical Guidance to Qualitative Research. European Journal of General Practice, 24(1), 120–124. https://doi.org/10.1080/13814788.2017.1375092
L, Caulfield. J, H. (2025). Criminological Skills and Research for Beginners: A Student’s Guide.
Mezmir, E. A. (2020). Qualitative Data Analysis: An Overview of Data Reduction, Data Display and Interpretation. Research on Humanities and Social Sciences, 10(21), 15–27. https://doi.org/10.7176/rhss/10-21-02
Pukuh, N., & Widyasthika, H. F. (2022). Bank-Fintech Collaboration: Accelerating Digital Banking Services. In Banking Policy Research Bulletin (Vol. 3, Issue 2).
Putri, A. M. M. (2011). Analysis of User Acceptance of the Implementation of E-Procurement Based on the Technology Acceptance Model (TAM) Concept.
Ramadhani, A. (2024). The Role of Information Systems in Improving Efficiency and Accountability in the Era of Digital Transformation. ResearchGate, October.
Ratna, S., Saide, S., Putri, A. M., Soleha, A., & Andini, P. R. (2024). Financial Systems Transformation in the Digital Age: A Systematic Review and Future Research Directions. Procedia Computer Science, 234, 1538–1545. https://doi.org/10.1016/j.procs.2024.03.155
Riyadli, H., Arliyana, & Fariez Eka, S. (2020). Design and build a web-based financial information system. Journal of Computer Science and Information Technology, 3(2), 98–103.
Sari, N., Mutmainna, Wahida, A., & Rusli, A. (2024). Optimizing the Role of Village Accounting Information Systems in Improving Financial Accountability (South Larompong District). Economics and Digital Business Review, 5(1), 245–252.
Sekaran, U. (2016). Research Methods for Business: A Skill Building Approach.
Sholikudin, M. (2024). The Role of Accounting Information Systems in the Use of Technology for Digital Bookkeeping in MSMEs in Kampung Kue. Journal of Economics, Management, Accounting and Business, 2(2), 61–72. https://doi.org/10.59246/muqaddimah.v2i2.703
Silverman, D. (2021). Doing Qualitative Research.
Surachman, A. E. (2024). Financial Management in the Digital Era.
Tohirin, T. (2018). The Challenge of the Central Government in Changing the Accounting and Financial Reporting System from Half Accrual Accounting to Full Accrual Accounting. Talent Conference Series: Local Wisdom, Social, and Arts (LWSA), 1(1), 044–048. https://doi.org/10.32734/lwsa.v1i1.138
Tracy, S. (2024). Qualitative Research Methods: Collecting Evidence, Crafting Analysis, Communicating Impact
Yuan Mambu, J., Jonathan, G., Rumawouw, G. M., & Liem, A. T. (2018). Usefulness and Ease-of-Use Analysis of Unklab Information System (SIU) Using Technology Acceptance Model (TAM). Citec Journal, 5(2460–4259), 95–104.
Published
2025-10-23
How to Cite
Adira Ferdiansyah Chaniago, & Katiya Nahda. (2025). Analysis Of The Impact Of The Use Of Digital Financial Information Systems In The Finance & Accounting Division At PT Finnet Indonesia. International Journal of Economics, Business and Innovation Research, 4(06), 469-478. https://doi.org/10.63922/ijebir.v4i06.2421
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