Development of aFamily Fintech Platform to Address the Challenges Facing the Sandwich Generation in Indonesia

Authors

  • Dewi Puspita Sari Sistem Informasi, Fakultas Teknik, Universitas Siliwangi, Tasikmalaya, Jawa Barat, Indonesia
  • Citra Amelia Sistem Informasi, Fakultas Teknik, Universitas Siliwangi, Tasikmalaya, Jawa Barat, Indonesia
  • Lauren Nugraha Sistem Informasi, Fakultas Teknik, Universitas Siliwangi, Tasikmalaya, Jawa Barat, Indonesia
  • Genta Nazwar Tarempa Sistem Informasi, Fakultas Teknik, Universitas Siliwangi, Tasikmalaya, Jawa Barat, Indonesia https://orcid.org/0009-0008-9058-0200

DOI:

https://doi.org/10.51903/mazhw053

Keywords:

Sandwich Generation, Fintech, Collaborative Finance, Agile Scrum, System Usability Scale

Abstract

The Sandwich Generation phenomenon in Indonesia poses a significant socio-economic challenge due to the simultaneous financial burden on both older and younger generations. This study aims to develop Famly Pay, an integrated family-based financial management platform designed to promote transparency and collaborative budgeting. Using a Research and Development (R&D) method with a quantitative approach, this platform was developed through the Agile Scrum framework in five iterative sprints. Primary data was collected from 32 respondents in Ciamis, West Java, revealing that 75% of respondents are members of the sandwich generation, with digital banking penetration reaching 90.6%. The system was built using React Native for the user interface and Firebase for real-time database management. Technical evaluation via Black-box Testing confirmed that all core functionalities operate effectively without logical errors. Evaluation using the System Usability Scale (SUS) yielded an average score of 76.50, placing the application in the Good category and at the Acceptable level. This research contributes to the Collaborative Finance paradigm by transforming individualistic financial management into a family-based collective approach. The implications of this platform are expected to contribute to strengthening economic resilience, reducing financial stress through budget transparency, and supporting asset sustainability through the Digital Legacy feature. By integrating an AI-based financial assistant and collective investment mechanisms, Famly Pay offers a comprehensive ecosystem that is expected to help mitigate economic vulnerabilities and promote long-term stability for Indonesian families.

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Published

2026-10-28

Issue

Vol. 5 No. 3 (2026): November

Section

Articles

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Copyright (c) 2026 Dewi Puspita Sari, Citra Amelia, Lauren Nugraha, Genta Nazwar Tarempa

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