About this article
- Submitted: May 30, 2025
- Final Revised: Oct 05, 2025
- Accepted: Jan 04, 2026
- Published: Jan 22, 2026
- Abstract view: 1
- PDF Download: 1
- Volumes: Vol. 4 No. 1 (2026) Pages 41-52
- DOI: 10.63208/21014-199
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This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.
Copyright (c) 2026 Bram Agni Rustpaksi Pasopati, Ricky Elfianda, Harjum Muharam (Author)
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Abstract
This systematic literature review examines the impact of digital payment merchant transactions on Third-Party Funds (DPK) growth and Fee-Based Income (FBI) within digital finance and investment innovation. Synthesizing findings from 35 national and international journals, the study highlights digital payment mechanisms' role in enhancing banking profitability and financial inclusion. Key factors influencing this relationship include technological infrastructure, consumer trust, and regulatory frameworks that foster innovation while managing risks. The review addresses challenges in risk management, emphasizing the need for adaptive policies and governance to mitigate cyber threats. Results underline the strategic importance of integrating digital payment systems to diversify income streams, optimize capital mobilization, and enhance operational efficiency. The study provides valuable insights for academics, financial practitioners, and policymakers aiming to promote sustainable growth through digital finance innovations. It bridges literature gaps and lays a foundation for future research on strengthening inclusive and resilient financial ecosystems.
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