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This article explores the relationship between digital finance, human capital, and urban innovation in Indonesia. The study uses data from 98 cities in Indonesia from 2000 to 2021 and employs a two-step system generalized method of moments estimation model to analyze the data. The results show that digital finance has a significant positive impact on urban innovation, with the level of impact varying across different cities. The study also emphasizes the role of human capital in driving innovation and highlights the importance of traditional finance in moderating the effect of digital finance on urban innovation. The findings suggest that city governments should focus on developing digital financial infrastructure to support urban innovation, particularly in cities with low commercial attractiveness. [Extracted from the article]

The development of the financial industry which is increasingly dynamic and closer to technology has created digital bank branches both Islamic and conventional banks to encourage bank activities in providing services to customers. Through the development of the increasingly complex financial industry, both both Islamic and conventional bank industry, it is necessary to have an independent institution outside the government, namely the Financial Services Authority, which can regulate and supervise the financial services sector in an integrated manner. This study aims to analyze the regulations governing the implementation of digital branches in Indonesia in both Islamic and conventional banks, and the application of digital branches in the study of Indonesian banking law. The results highlight the development of a business strategy that leads to digital banking services requires adequate infrastructure. Among other things, risk management, adjustment of information technology, business models, business processes, internal control, and human resources, to support the convenience, security and reliability of digital banking services in providing information, communication, registration, opening accounts, processing transactions, and closing account. The results are important to increase the application of digital services, especially for both Islamic banks in Indonesia. [ABSTRACT FROM AUTHOR]

At this era, innovation in technology is one of the key success factor for business to strengthen the maturity life of product life cycle, included financial industry. Nowadays the need for speed in delivery of product or services included in financial services especially Islamic Financial Services is very important. Indonesia which have the unique topography which consist of many islands need the speed of product or service delivery especially for the Small and Medium Enterprise (SME) financing which is the fundamental of economy in Indonesia. This paper have purpose to describes the role of Digital Finance to Strengthen Financial Inclusion and the Growth of SME in Indonesia. This paper uses qualitative method. The result of this research is describe the model of the role of Digital Finance to Strengthen Financial Inclusion and the Growth of SME in Indonesia. [ABSTRACT FROM AUTHOR]