https://ojs.unublitar.ac.id/index.php/espas/issue/feed 2025-08-31T00:00:00+00:00 Denny Rakhmad Widi Ashari drwashari@unublitar.ac.id Open Journal Systems <p><strong>Journal Summary</strong></p> <p>ESPAS: Journal of Economics and Banking<br>Published by the Research and Community Service of Nahdlatul Ulama Blitar University (LPPM), in conjunction with the Sharia Banking and Sharia Economics Study Programme at the Faculty of Islamic Studies of Nahdlatul Ulama Blitar University . ESPAS is a biannual, peer-reviewed journal released in February and August. It aims to facilitate academic discourse and promote the publication of cutting-edge research in various fields, including economics, management, banking, and more.</p> https://ojs.unublitar.ac.id/index.php/espas/article/view/https%3A%2F%2Fdoi.org%2F10.28926%2Fespas.v3i2.1825 2025-08-30T10:35:43+00:00 Miftakhul Adifan ifankedua@gmail.com Denny Rakhmad Widi Ashari drwashari@unublitar.ac.id Rinu Rif’atul Wakhidah rifafaa23@gmail.com

<p>The digital transformation of Indonesia's payment system has seen rapid progress driven by technological advancements and government policies aimed at financial inclusion. While the adoption of digital payment technologies like e-wallets and QRIS has streamlined transactions and boosted operational efficiency, significant challenges remain. This study analyzes the impact of this transformation on financial efficiency and inclusion, identifying both inhibiting factors and opportunities for innovation. Using a literature review as the primary research method, this paper descriptively analyzes various scientific sources to build a deep theoretical framework. Findings show that digital payment systems improve bank operational efficiency and broaden access to financial services, especially for MSMEs and communities in remote areas. Despite this progress, there is a persistent gap in access between urban and rural regions, along with low digital literacy in some communities. The research also identifies that emerging technologies such as blockchain and AI have the potential to enhance transaction security and transparency.</p>

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