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Blockchain Financial Identity for Inclusive Access in Developing Nations

APTISI Transactions on Management (ATM) · Vol. 10 No. 2 (2026) · hlm. 191–202

DOI
10.33050/atm.v10i2.2621
ISSN
2622-6804, 2622-6812
Terbit
2026-05-21
Penerbit
Pandawan
Bahasa
en
Lisensi
creativecommons.org/licenses/by-sa/4.0

Abstrak

The absence of formal financial identity remains a significant barrier to financial inclusion in developing nations, limiting access to essential financial services. Traditional centralized identity systems are often vulnerable to data breaches, fraud, and institutional control, resulting in low public trust. This study aims to explore how blockchain-based identity systems, particularly through the concept of Self-Sovereign Identity (SSI), can address these limitations. The research adopts a qualitative case study approach by analyzing multiple blockchain-based digital identity initiatives across developing regions. The findings reveal that blockchain-enabled SSI enhances data security, transparency, and user autonomy, while improving accessibility to financial services. The key contribution of this study lies in identifying the integration of decentralized identity frameworks as a sustainable solution to strengthen financial inclusion and institutional trust. However, challenges such as infrastructure limitations, scalability issues, and regulatory uncertainty remain critical barriers. This study provides both theoretical insights and practical implications for policymakers, developers, and financial institutions in implementing secure and inclusive digital identity systems.

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17 penulis · 43 tautan kepenulisan bersama · 15 lintas organisasi

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  • Universitas Raharja
  • Universitas Airlangga
  • University of Technology Malaysia
  • Indonesia Open University
  • Taylor's University
  • Universitas Persada Indonesia Yayasan Administrasi Indonesia
  • Afiliasi tidak diketahui
  • Organisasi berbeda
  • Organisasi sama
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Rekan penulisOrganisasiArtikel bersama
Untung RahardjaUniversitas Raharja1
Muhammad Hasbullah KadimTaylor's University1
Abdul KadimUniversitas Persada Indonesia Yayasan Administrasi Indonesia1
Agung RizkyUniversitas Raharja1
Bagong SuyantoUniversitas Airlangga1
Erna SetijaningrumUniversitas Airlangga1
Thabo MkhizeAfiliasi tidak diketahui1
Desy AprianiUniversitas Raharja1
Ruli SupriatiUniversitas Raharja1
Danang Surya BudiUniversitas Raharja1
John EdwardsAfiliasi tidak diketahui1

Afiliasi berasal dari OpenAlex; metadata OAI-PMH jurnal tidak memuatnya. Penulis tanpa ID OpenAlex dicocokkan berdasarkan nama, sehingga dua orang bisa tergabung atau satu orang bisa terpisah.

Sumber metadata: OAI-PMH (metadata jurnal) https://ijc.ilearning.co/ATM/oai, pertama di-harvest 6 Nov 2026, terakhir terlihat 8 Nov 2026.
Metadata asli (oai_dc) 
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	<dc:title xml:lang="en">Blockchain Financial Identity for Inclusive Access in Developing Nations</dc:title>
	<dc:creator xml:lang="en">Dyatmika, Sutama Wisnu</dc:creator>
	<dc:creator xml:lang="en">Rahardja, Untung</dc:creator>
	<dc:creator xml:lang="en">Muhtarom, Muhtarom</dc:creator>
	<dc:creator xml:lang="en">Ramadhan, Dwi Nur</dc:creator>
	<dc:creator xml:lang="en">Sunarya, Po Abbas</dc:creator>
	<dc:creator xml:lang="en">Evans, Lily Maria</dc:creator>
	<dc:subject xml:lang="en">Blockchain</dc:subject>
	<dc:subject xml:lang="en">Self-Sovereign Identity</dc:subject>
	<dc:subject xml:lang="en">Financial Inclusion</dc:subject>
	<dc:subject xml:lang="en">Digital Identity</dc:subject>
	<dc:subject xml:lang="en">Developing Nations</dc:subject>
	<dc:description xml:lang="en">The absence of formal financial identity remains a significant barrier to financial inclusion in developing nations, limiting access to essential financial services. Traditional centralized identity systems are often vulnerable to data breaches, fraud, and institutional control, resulting in low public trust. This study aims to explore how blockchain-based identity systems, particularly through the concept of Self-Sovereign Identity (SSI), can address these limitations. The research adopts a qualitative case study approach by analyzing multiple blockchain-based digital identity initiatives across developing regions. The findings reveal that blockchain-enabled SSI enhances data security, transparency, and user autonomy, while improving accessibility to financial services. The key contribution of this study lies in identifying the integration of decentralized identity frameworks as a sustainable solution to strengthen financial inclusion and institutional trust. However, challenges such as infrastructure limitations, scalability issues, and regulatory uncertainty remain critical barriers. This study provides both theoretical insights and practical implications for policymakers, developers, and financial institutions in implementing secure and inclusive digital identity systems.</dc:description>
	<dc:publisher xml:lang="en">Pandawan</dc:publisher>
	<dc:date>2026-05-21</dc:date>
	<dc:type>info:eu-repo/semantics/article</dc:type>
	<dc:type>info:eu-repo/semantics/publishedVersion</dc:type>
	<dc:format>application/pdf</dc:format>
	<dc:identifier>https://ijc.ilearning.co/ATM/article/view/2621</dc:identifier>
	<dc:identifier>10.33050/atm.v10i2.2621</dc:identifier>
	<dc:source xml:lang="en">APTISI Transactions on Management (ATM); Vol. 10 No. 2 (2026): May; 191-202</dc:source>
	<dc:source xml:lang="id">APTISI Transactions on Management (ATM); Vol 10 No 2 (2026): May; 191-202</dc:source>
	<dc:source>2622-6804</dc:source>
	<dc:source>2622-6812</dc:source>
	<dc:source>10.33050/atm.v10i2</dc:source>
	<dc:language>en</dc:language>
	<dc:relation>https://ijc.ilearning.co/ATM/article/view/2621/950</dc:relation>
	<dc:rights xml:lang="en">Copyright (c) 2026 Sutama Wisnu Dyatmika, Untung Rahardja, Muhtarom Muhtarom, Dwi Nur Ramadhan, Po Abbas Sunarya, Lily Maria Evans</dc:rights>
	<dc:rights xml:lang="en">http://creativecommons.org/licenses/by-sa/4.0</dc:rights>
</oai_dc:dc>