Management and Economics
| Open Access |
DOI: The Impact of Digital Finance and Online Investment Management Tools and Platforms on Employee Motivation Literature Review
Masno Marjohan , Postgraduate Lecturer of The Master of Management Study Program. Pamulang University. Banten. IndonesiaAbstract
In today's digital age, digital finance and online investment tools and platforms have become an integral part of the work environment. This research aims to explore the impact of digital finance and online investment management tools and platforms on employee work motivation. Using a literature review approach, this article collects and analyzes a range of relevant studies to understand how digitalization in the financial sector can affect employee motivation, productivity, and well-being. The results show that while there are significant benefits, such as increased efficiency and accessibility, there are also challenges to be faced, including the stress associated with using technology. It is expected that employee motivation to invest will increase. This research is expected to provide insight for companies in implementing digital financial tools effectively, and interest in investing online can increase.
Keywords
digital finance, motivation, jobs, online investment
References
Afandi, Pandi, (2018). Human Resource Management (Theory, Concepts and Indicators). Pekanbaru (Riau), Publisher: Zanafa Publishing
Akbar, A., Imsar, & Silalahi, P.R. (2025). Analysis of the Application of Fintech in MSMEs in Medan City in the Perspective of Maqashid Syariah. Journal of Applied Management and Finance, 13(03), 806-820
PJII. (2022). Report on Internet Users and Digital Wallets in Indonesia. Jakarta: APJII.
Arifin, Z. (2020). Digital Finance: Concept and Implementation. Jakarta: Gramedia.
Astuti, R. (2022). "Transparency in Digital Financial Services: An Overview from a User's Perspective". Journal of Economics and Business, 15(2), 123-135.
Budiarto, A. (2023). Blockchain Technology and Financial Transaction Security. Journal of Technology and Finance, 5(2), 45-60.
CoinMarketCap. (2023). Cryptocurrency Market Data. Retrieved from [CoinMarketCap] (https://www.coinmarketcap.com).
[8]. Chen, L., & Zhang, Y. (2021). The Impact of Digital Financial Tools on Employee Stress. Journal of Financial Psychology, 15(3), 45-67.
Davis, J., Smith, R., & Johnson, L. (2020). The Impact of Digital Financial Tools on Employee Motivation. Journal of Business Research, 112, 45-55.
Deloitte. (2021). The Future of Work: Digital Transformation in Finance. Deloitte Insights.
Deloitte. (2022). The Impact of Digital Financial Solutions on Productivity: A Global Study. Deloitte Insights, 7(1), 15-25.
Feriyanto, O., Qur'anisa, Z., Herawati, M., Lisvi, & Putri, M. H. (2024). The Role of Fintech in Improving Financial Access in the Digital Era. Journal of Digital Technology, Vol.4, No.3 July 2024.
Gojek. (2022). Internal reports on employee satisfaction and financial technology. Gojek Publications.
Gupta, R., & Singh, A. (2022). Digital finance and employee engagement: A study of Indian companies. International Journal of Human Resource Management, 33(4), 789-805.
Hakim, L., & Hapsari, R.A. (2022). The Law of Financial Technology. Indramayu: Adab.Hidayah Publishers, N. (2022). "Insurtech Growth in Indonesia: Opportunities and Challenges". Journal of Insurance and Risk Management, 10(1), 45-56.
Harahap, R., & Irawan. (2025). Model of the Use of Digital Finance (Financial Technology) on SME Income in Medan. Journal of Accounting Education (Obligation) Hidayah, N. (2023). Personal financial management through digital applications. Journal of Economics and Business, 12(1), 23-34.
Hidayati, N. (2020). The Effect of Access to Financial Information on Employee Welfare. Journal of Economics and Business, 12(3), 45-60.
Lee, H., & Kim, J. (2021). Stress and Technology: The Dark Side of Digital Tools in the Workplace. Journal of Occupational Health Psychology, 26(3), 245-258.
Mardiana, S. (2021). "Financial Inclusion Through Technology: Opportunities and Challenges". Journal of Finance and Banking, 14(3), 201-215.
Masno, et al (2023), Investment Management and Online Investments, Deepublish Publisher, Yogyakarta.
OJK. (2023). Annual Report of the Financial Services Authority. Jakarta: OJK.
Prasetyo, A. (2021). "Financial Literacy and Family Financial Management". Journal of Economic Education, 8(1), 67-78.
Purnamasari, R. (2021). Digital Finance: Opportunities and Challenges. Journal of Finance and Banking, 9(3), 78-90.
PwC. (2022). Employee Concerns Over Digital Financial Tools: Survey Report. PwC Insights, 4(2), 10-15.
Rahardjo, S. (2023). Financial Inclusion in the Digital Era. Journal of Development Economics, 10(1), 15-28.
Rahayu, D. (2021). The Basics of Digital Finance. Yogyakarta: No.
Rahman, A., & Iskandar, B. (2022). Challenges in the Implementation of Digital Financial Tools in the Workplace. Journal of Human Resource Management, 15(2), 85-99.
Rakhmat, Jalaluddin, (2005). Communication Psychology. Bandung, Publisher: PT Remaja Rosdakarya
Sari, D., & Prabowo, H. (2021). Work efficiency through a digital payment system. Journal of Information Technology, 9(1), 22-34.
Sari, D., & Prabowo, T. (2022). Growth of Digital Financial Services Users in Indonesia. Journal of Information Technology, 8(4), 101-115.
Sari, P. and Hidayati, L. (2022). "Digital Financial Transaction Efficiency". Journal of Financial Management, 12(2), 89-100.
Sarwono, Sarlito Wirawan, (2013). Theories of Social Psychology. Jakarta, Publisher: PT RajaGrafindo Persada
Serendipity. (2017). Human Resource Management: Civil Servant Reform and Management. Bandung: Refika Aditama.
Sobur, Alex, (2011). General and Popular Psychology. Bandung, Publisher: Pustaka Setia
Statista. (2022). Projected Number of Digital Wallet Users in Indonesia. Statista Reports, 3(1), 1-5.
Statista. (2023). Statistics of Digital Wallet Users in Indonesia. Retrieved from [Statista](https://www.statista.com).
Supratman, R., (2004). Application of Psychology Concepts in Education. Bandung, Publisher: Pustaka Setia
Supriyadi, B. (2021). "Accessibility in Digital Financial Services". Journal of Economics and Development, 9(3), 45-59.
Surya, M. (2022). Transaction Efficiency in Digital Finance. Journal of Financial Management, 7(2), 50-67.
Scott, S. (2010). Introduction to General Psychology. Yogyakarta, Publisher: Andi Offset
Widiastuti, I. (2021). "Financial Education for the Community: The Importance of Financial Literacy". Journal of Education and Economics, 7(2), 23-34.
Article Statistics
Copyright License
Copyright (c) 2025 Masno Marjohan
This work is licensed under a Creative Commons Attribution 4.0 International License.
Authors retain the copyright of their manuscripts, and all Open Access articles are disseminated under the terms of the Creative Commons Attribution License 4.0 (CC-BY), which licenses unrestricted use, distribution, and reproduction in any medium, provided that the original work is appropriately cited. The use of general descriptive names, trade names, trademarks, and so forth in this publication, even if not specifically identified, does not imply that these names are not protected by the relevant laws and regulations.