Financial Technology: Inclusive Finance in the Post-Covid-19 Era


  • Bambang Susanto
  • Aryanti Ratnawati Department of Management Faculty of Economics, Universitas Sangga Buana Bandung
  • Eva Rachmawati Department of Management Faculty of Economics, Universitas Sangga Buana Bandung
  • Audita Setiawan Department of Management Faculty of Economics, Universitas Sangga Buana Bandung
  • Muhammad Ariq Khalingga University of California Santa Cruz



Financial Technology, COVID-19, Financial Inclusion, NgainScore


Purpose – This paper aims to investigate how the optimization or effectiveness of the use of financial technology in the volume of stock trading with the JCI as an indicator in the Indonesian capital market that occurred before the Covid-19 pandemic and after or during the Covid-19 pandemic remained active and did not affect investor behavior in invest           

Methodology – The research method used in this research is descriptive analysis technique, and the data used is normally distributed. The data collection technique uses a quantitative approach , including stock transaction volume data with the JCI indicator at PT. Indonesia Stock Exchange before and after the covid 19 virus pandemic.   

Findings – From the analysis it was found that the volume of stock trading in PT. The Indonesia Stock Exchange during the COVID-19 pandemic was larger than before the COVID-19 pandemic. From the calculation of the NGain Score, the use of financial technology was more effective and optimal for use in the post-pandemic period than in the pre-pandemic period.   

Value – Empirical studies conducted usually look at how much influence the COVID-19 pandemic has on the level of the economy, but this research looks at how investor behavior is in optimizing or effectively using financial technology in the period before and after the COVID-19 pandemic. 


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How to Cite

Susanto, B. ., Ratnawati, A. ., Rachmawati, E. ., Setiawan, A. ., & Khalingga, M. A. . (2022). Financial Technology: Inclusive Finance in the Post-Covid-19 Era. ADPEBI International Journal of Business and Social Science, 2(2), 46–55.