<![CDATA[This study aims to analyze the influence of Digital Banking, Financial Inclusion, and Total Assets on Third-Party Funds (TPF) in Islamic Commercial Banks in Indonesia. Third-Party Funds constitute the primary source of funding that supports the intermediation function of Islamic banking. The development of digital banking services, the expansion of public access to financial services, and the growth of the Islamic banking industry’s capacity are presumed to affect banks' ability to mobilize public funds. This study employs a quantitative approach using secondary data in the form of monthly data from January 2020 to December 2024 obtained from official publications of Bank Indonesia and the Financial Services Authority (OJK). Digital Banking is measured by the value of proprietary channel transactions, Financial Inclusion is measured by the number of Islamic Commercial Bank accounts, Total Assets are measured by the total assets of Islamic Commercial Banks, while Third-Party Funds are measured by the total TPF of Islamic Commercial Banks. The results indicate that Digital Banking and Financial Inclusion have not been able to directly increase Third-Party Funds. In contrast, Total Assets have been proven to play an important role in increasing Third-Party Funds. Simultaneously, Digital Banking, Financial Inclusion, and Total Assets are associated with the mobilization of Third-Party Funds in Islamic Commercial Banks in Indonesia. This study concludes that the strength and capacity of the Islamic banking industry, as reflected by Total Assets, are more dominant factors in increasing Third-Party Funds than the utilization of digital services and the expansion of financial access. Therefore, Islamic Commercial Banks need to strengthen their institutional capacity, improve service quality, and optimize the utilization of digital technology and financial inclusion initiatives to support the growth of Third-Party Funds.]]>
