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All Journal MIX : Jurnal Ilmiah Manajemen International Journal of Islamic Economics and Finance (IJIEF) JMM (Jurnal Masyarakat Mandiri) Stability: Journal of Management and Business Altasia : Jurnal Pariwisata Indonesia Jurnal Abdimas Mandiri Dinasti International Journal of Education Management and Social Science Budapest International Research and Critics Institute-Journal (BIRCI-Journal): Humanities and Social Sciences Jurnal Sains Manajemen Jurnal Perspektif Pembiayaan dan Pembangunan Daerah Journal of Accounting and Finance Management (JAFM) Jurnal Atma Inovasia eProceedings of Management Community Service Seminar and Community Engagement (COSECANT)
Fajra Octrina
Universitas Telkom
Religion Arts Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Electrical & Electronics Engineering Engineering Environmental Science Languange, Linguistic, Communication & Media Social Sciences Other

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Journal : Journal of Accounting and Finance Management (JAFM)

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Analysis of Mobile Banking Usage and Other Factors on Banking Productivity in Indonesia Using the Malmquist Productivity Index (MPI) Approach Yohana Marnala Marpaung; Fajra Octrina
Journal of Accounting and Finance Management Vol. 5 No. 4 (2024): Journal of Accounting and Finance Management (September - October 2024)
Publisher : DINASTI RESEARCH

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.38035/jafm.v5i4.804

Abstract

This study analyzes the impact of fintech technology on the productivity and efficiency of traditional banks in Indonesia that provide mobile banking services. While fintech has improved financial transactions and operational efficiency, previous research shows mixed results regarding the effect of fintech on bank productivity. This study fills the research gap by analyzing how fintech integration affects the efficiency of traditional banks using recent data. Using the Malmquist Productivity Index (MPI), this study evaluates the efficiency of nine traditional banks in Indonesia based on annual report data. The variables analyzed include Mobile Transaction Market Share (PH), Gross Domestic Product (GDP), Non-Performing Loan Ratio (NPL), Capital Ratio (CAP), Total Assets (A), and M2 Exchange Rate (MS). The descriptive analysis results show that the variables of NPL, CAP, and total assets have no significant impact on productivity. However, GDP and M2 have a strong influence on improving bank efficiency through fintech technology. This study concludes that fintech is important to improve banking efficiency in Indonesia and banks should prioritize technological innovation to boost productivity. Further research is needed to explore additional variables in this relationship.
Co-Authors Achmad Rizal Adhi Prasetio Aisah Asnawi Alia Gantina Siti Mariam Andrieta Shintia Dewi Asnawi, Aisah Asri, Jatnika Dwi Astrie Krisnawati Bayu Aji Prasetyo Brady Rikumahu Burhanuddin Aziz Della Rahma Vidya Hazlina Dien Rahmawati Eliza, Jihan Gantina Shiti Mariam, Alia Hariadi Eka Priatmojo Hilda Irni Yunita Jamilah, Almi Jatnika Dwi Asri Khairunnisa Khairunnisa May Swastawati Muhammad Iqbal Nora Amelda Rizal Pena Purba, Try Ratih Hendayani Ratna Komala Putri Rike Setiawati Rr Sri Saraswati Rr. Sri Saraswati Ruri Octari Dinata Tri Widarmanti Wahdan Arum Inawati Wahmisari Priharti Yohana Marnala Marpaung