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All Journal Formosa Journal of Science and Technology (FJST)
Jihan Eliza
Telkom University
Humanities Computer Science & IT Education Industrial & Manufacturing Engineering Social Sciences

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Analysis of Financial Technology Implementation and Other Factors on Banking Efficiency in Indonesia Jihan Eliza; Fajra Octrina
Formosa Journal of Science and Technology Vol. 4 No. 7 (2025): July 2025
Publisher : PT FORMOSA CENDEKIA GLOBAL

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55927/fjst.v4i7.171

Abstract

The rise of Financial Technology (Fintech) has transformed the global financial landscape, including in Indonesia, where commercial banks increasingly integrate digital innovations to enhance efficiency and service reach. This study examines the impact of Fintech—represented by Peer-to-Peer Lending (P2P) and Digital Payment (PAY)—on the efficiency of commercial banks listed on the Indonesia Stock Exchange (IDX) from 2018 to 2023. Employing a comprehensive approach, the study uses Data Envelopment Analysis (DEA) to measure efficiency, panel data regression to assess the influence of variables, and classical assumption tests to validate the model. Control variables such as bank size and market concentration are also considered.
Co-Authors Fajra Octrina