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All Journal Jurnal Ilmiah Fokus Ekonomi, Manajemen, Bisnis & Akuntansi (EMBA)
Niti Tiyana
Universitas Semarang
Economics, Econometrics & Finance

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Pengaruh Financial Technology terhadap Nilai Perusahaan melalui Efisiensi Operasional sebagai Variabel Intervening pada Perbankan di Indonesia : Systematic Literatur Review Nasywa Maurelya; Nila Nafisatul Fitriyah; Ira Nur Juliana; Niti Tiyana; Rohmini Indah Lestari; Ani Setyowati
Jurnal Ilmiah Fokus Ekonomi, Manajemen, Bisnis & Akuntansi (EMBA) Vol. 5 No. 2 (2026): Agustus 2026 (In Press)
Publisher : STIE PENA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.34152/emba.5.2.1793

Abstract

Company value reflects investors' perceptions of a company's ability to create wealth sustainably, while also reflecting market expectations regarding the company's future prospects. In the era of digital transformation, the development of financial technology (fintech) in the banking sector is viewed as a strategic resource with the potential to increase operational efficiency and company value. However, previous research has shown inconsistencies, necessitating a comprehensive literature synthesis to understand the relationship between these variables. This study used the Systematic Literature Review (SLR) method with a descriptive qualitative approach to analyze the effect of financial technology on company value through operational efficiency as an intervening variable in the Indonesian banking sector. Data were obtained from scientific articles published in the academic databases Scopus, Google Scholar, and Garuda between 2020 and 2026. The article selection process was carried out through four stages: identification, screening, eligibility, and synthesis, resulting in 20 scientific articles that met the inclusion criteria. The results of the literature synthesis indicate that financial technology has a positive and significant effect on the value of banking companies, both directly through increased investor confidence and indirectly through increased operational efficiency. This finding is consistent with the Resource-Based View (RBV) perspective which views fintech as a unique and strategic resource in creating a company's competitive advantage
Co-Authors Ani Setyowati Ira Nur Juliana Lestari, Rohmini Indah Nasywa Maurelya Nila Nafisatul Fitriyah