At the Center for Excellence in Fintech and Banking UNS, our Research and Survey division stands as the backbone of innovation, combining academic rigor with industry relevance to address pressing challenges in the financial sector. We specialize in empirical studies, large-scale surveys, and feasibility analyses, covering critical areas such as digital financial inclusion, Islamic banking resilience, fintech adoption, and economic recovery post-pandemic. Collaborating with global institutions like the European Commission (ERASMUS+), Bank Indonesia, and Harvard University, our research outputs are published in top-tier Scopus-indexed journals, including Journal of Financial Stability, British Accounting Review, and Research in International Business and Finance. These studies not only shape national policies—such as Indonesia’s Islamic bank spin-off regulations—but also guide industry practices worldwide. With over 80 Scopus publications and participation in international grants, we bridge theoretical insights with actionable solutions. Join us in pioneering research that redefines the future of finance.