https://journal.seb.co.id/ijebam/issue/feed 2026-06-19T05:21:19+07:00 Dr. Ambar Lukitaningsih, S.E., M.M. editor.ijebam@gmail.com Open Journal Systems <p style="text-align: justify;">We invite researchers, academics and practitioners to submit research results, internship reports, and business design manuscripts to the <strong>Indonesian Journal of Economics, Business, Accounting, and Management (IJEBAM).</strong></p> <p style="text-align: justify;"><strong>Indonesian Journal of Economics, Business, Accounting, and Management (IJEBAM) </strong>is an open peer-reviewed journal dedicated to the publication of research articles, internship reports, and business design articles of economic, business, accounting and management quality, but not implicitly limited. The peer-review process is applied and ethical consideration is in our best interest.</p> <p style="text-align: justify;">All publications in the <strong>Indonesian Journal of Economics, Business, Accounting, and Management (IJEBAM) </strong>are open access which allows articles to be freely available online without any subscription and free of charge. please <a href="https://journal.seb.co.id/ijebam/about/submissions" target="_blank" rel="noopener">click here to submit online.</a> The cost of publishing articles can be accessed by <a href="https://journal.seb.co.id/ijebam/editorialpolices#:~:text=limited%20to%20implicitly.-,Article%20Processing%20Charges,-Indonesian%20Journal%20of" target="_blank" rel="noopener">clicking here.</a></p> <p style="text-align: justify;">Acceptance of manuscripts has started from now on. We are waiting for your best manuscripts for quality publications. Thank you</p> https://journal.seb.co.id/ijebam/article/view/176 2026-06-07T14:38:05+07:00 Sam Ean Lay samean.lay@nbc.gov.kh Vuddneath Som vuddneath@gmail.com Sothearak lumsothearak@gmail.com Sophat Phon phonsophat@ibs.edu.kh Pidor Ngin nginpidor@ibs.edu.kh

<p>This article examines how fintech competition has reshaped financial intermediation in Cambodia and how incumbent commercial banks have responded to central-bank-led interoperable payment infrastructure. Using a qualitative explanatory case-study design and documentary analysis of policy documents, official payment-system statistics, institutional reports, and peer-reviewed research, the study analyzes Bakong, KHQR, and the broader digital payments ecosystem as public infrastructure shaping private financial-sector transformation. The findings show that Cambodia’s fintech evolution is better understood as state-enabled restructuring of the competitive field than as simple displacement of banks by fintech entrants. By the end of 2023, Cambodia recorded 19.7 million e-wallet accounts, 601.3 million payment-service-provider transactions, and USD 75.8 billion in payment-service value, while Bakong had 74 members, approximately 19.5 million connected accounts, and 200.93 million cumulative transactions. The Cambodian case demonstrates that public payment rails can intensify competition while reducing fragmentation, but sustainable gains depend on financial literacy, cybersecurity, data governance, institutional capability, and proportionate regulation.</p>

2026-06-19T00:00:00+07:00 Copyright (c) 2026 Sam Ean Lay, Vuddneath Som, Sothearak, Sophat Phon, Pidor Ngin