Tantangan Pertumbuhan Industri Fintech

SEBAGIAN pelaku usaha di berbagai belahan dunia melihat 2020 sebagai tahun yang sulit. Covid-19 telah meluluhlantakkan jutaan bisnis dan mengubah masterplan hampir semua sektor usaha. Bisnis pembiayaan keuangan adalah salah satu sektor yang terdampak cukup signifikan dan banyak masyarakat yang saat ini tidak dapat mengakses pinjaman. Banyak pihak mengkritik lembaga pembiayaan yang justru menghentikan pemberian pinjaman atau memperketat standar pinjaman pada masa pandemi ini. Akan tetapi, situasi ini juga membuka peluang bagi sektor Financial Technology (Fintech). Skema pinjaman online di tengah pandemi dapat menjadi alternatif permodalan bagi pelaku usaha khususnya usaha mikro, kecil, dan menengah (UMKM). Dengan sebagian besar sektor usaha di Indonesia didominasi oleh UMKM dan menjadi fondasi utama perekonomian Indonesia, maka penyediaan pinjaman secara online dapat menyelamatkan UMKM dari kebangkrutan.

Tren Fintech pada 2021
Tidak ada prediksi ekonomi 2021 yang dapat dipercaya sepenuhnya. Krisis yang diakibatkan Covid-19 ini belum pernah terjadi sebelumnya sehingga sangat tidak mungkin memprediksi dengan pasti bagaimana pemerintah dan masyarakat akan bereaksi atas krisis ini. Namun demikian, beberapa hal sudah terbukti. Salah satunya adalah tentang pentingnya Fintech di tengah ketidakpastian ekonomi.

Dengan karakteristik Fintech yang bersifat low-touch economy, customer-based, berbasis social capital, penggunaan data science, serta digerakkan oleh profesional muda, perkembangan Fintech pada masa pandemi masih positif. Mengacu pada data statistik Otoritas Jasa Keuangan (OJK), total penyaluran Fintech tumbuh 113,05% menjadi Rp128,7 triliun hingga kuartal III/2020. Akumulasi rekening peminjam tumbuh 103,46% menjadi 29,21 juta. Sementara akumulasi rekening lender tumbuh 21,99% menjadi 681.632 entitas. Artinya, minat masyarakat untuk melakukan pinjaman melalui Fintech pada 2021 masih tetap akan tumbuh, meskipun ada pandemi. Namun demikian, 2021 akan menjadi tahun perubahan dengan skema adaptasi yang tidak pernah terjadi sebelumnya. Bagi pelaku usaha yang ingin bertahan, maka strategi inovasi digital perlu dikembangkan dan diterapkan dalam bentuk langkah yang lebih nyata.

Setidaknya ada empat transformasi penting yang akan terjadi pada 2021. Pertama, efek Covid-19 akan terus memengaruhi perilaku konsumen. Covid-19 memaksa masyarakat untuk beralih pada transaksi digital. Data statistik menunjukkan bahwa transaksi di e-commerce naik hingga 400% per bulan pada masa pandemi (OJK, 2020). Dengan kata lain, semakin panjang masa pandemi ini, maka perubahan perilaku konsumen akan terus terjadi. Pada 2021, cashless payments akan menjadi keharusan, digital wallet akan menjadi kebiasaan. Pelaku Fintech harus berpacu dengan waktu untuk menangkap peluang ini.

Akan tetapi, berlayar di tengah ombak pandemi bukanlah perkara mudah bagi pelaku usaha Fintech. Rendahnya daya beli masyarakat masih akan terus berlanjut pada 2021. Oleh karena itu, skema pembiayaan yang digunakan saat ini harus terus diperbaharui dan disesuaikan dengan konteks ekonomi masyarakat dalam rangka menekan angka kredit macet yang dapat mengganggu stabilitas finansial pelaku usaha Fintech dalam jangka panjang. Dengan kondisi tersebut, pada 2021, pelaku usaha Fintech dapat fokus pada ekspansi pasar dan pelanggan baru.

Pandemi Covid-19 memukul perekonomian khususnya di wilayah kota-kota besar dan kemudian mendorong pergeseran lokus ekonomi ke kota-kota kecil, perdesaan, dan di luar Pulau Jawa. Meskipun angka kasus Covid-19 masih mengalami peningkatan secara nasional, namun ekonomi masih tetap menggeliat di kota-kota kecil, di perdesaan dan di luar Pulau Jawa. Di samping itu, saat ini permukiman di seluruh Indonesia sudah memiliki cakupan jaringan internet 4G sebesar 97,59%. Pengguna smartphone Indonesia juga bertumbuh dengan pesat. Lembaga riset digital marketing E-marketer memperkirakan jumlah pengguna aktif smartphone di Indonesia lebih dari 100 juta orang atau pengguna aktif smartphone terbesar keempat di dunia setelah China, India, dan Amerika. Potensi itu harus dimaksimalkan oleh pelaku usaha Fintech agar bisa tumbuh lebih besar dan cepat. Bentuk layanan serta strategi marketing produk Fintech harus disesuaikan dengan karakteristik masyarakat di kota-kota kecil dan perdesaan yang sebagian besar bergerak di sektor pertanian, literasi digital yang terbatas, modal sosial yang kuat, serta lebih membutuhkan pembiayaan jangka pendek dan kuantitas permodalan yang relatif kecil.

Kedua, manajemen big data akan sangat menentukan keberhasilan Fintech pada 2021. Institusi finansial diprediksi akan terus menciptakan inovasi layanan digital dengan mengumpulkan semakin banyak data profil dan perilaku konsumen. Mengelola dan menganalisis data-data tersebut dan menerjemahkannya menjadi strategi bisnis dan perluasan layanan akan menjadi tujuan utama pada 2021. Cloud, machine learning, dan artificial intelligence akan semakin memainkan peranannya, terutama dalam membangun sistem credit scoring berbasis data real time. Industri Fintech dapat berkolaborasi dengan pengembang IT dalam melakukan ekstraksi data sehingga bisa dibaca dengan cepat dan akurat atau membangun sendiri software dan algoritma data finansial yang sesuai dengan kebutuhan bisnis.

Ketiga, 2021 akan menjadi awal bagi pengembangan layanan Fintech yang terintegrasi. Selama ini, layanan finansial hanya fokus pada penjualan produk dan komunikasi dengan konsumen secara konvensional. Evolusi layanan finansial akan terjadi lebih masif pada 2021, di mana produk finansial yang akan menjadi pemenang adalah produk yang mampu mengintegrasikan kehidupan sehari-hari masyarakat melalui layanan digital serta teknologi. Masyarakat ingin meminjam uang dengan mudah, berbelanja secara online, membaca tren pasar, serta melakukan pencatatan keuangan pada saat bersamaan dengan menggunakan hanya satu aplikasi. Pada 2021 akan lebih banyak pelaku usaha Fintech yang fokus pada konektivitas antarlayanan serta membangun sistem teknologi verifikasi yang lebih andal.

 

dipublish di Koran Sindo,

images: bbva.com

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