Digital Cash Management in Startup Companies Using Financial Technology ( Fintech )

Abstract

This study analyzes digital cash management in startup companies in Indonesia with a focus on financial management patterns, challenges faced , and technology-based solutions to improve cash management effectiveness. Using a qualitative approach with a case study method, this research examines data from various digital startups in Indonesia through in-depth interviews, observations, and financial document analysis. The research results show that ineffective cash management, dependence on external funding, and lack of understanding of strategic financial management are the main challenges faced by startups. This study found that leveraging financial technology (fintech) for digital cash management, such as integrated cash management platforms, digital invoice and payment systems, and automated financial records, can improve cash flow efficiency and reduce dependence on external capital. The study recommends the importance of building a competent finance team , adopting digital cash management solutions, and improving financial literacy among startup founders to ensure sustainable growth.