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All Journal Jurnal Ilmiah Fokus Ekonomi, Manajemen, Bisnis & Akuntansi (EMBA)
Najwa Prima Izandy
Universitas Semarang
Economics, Econometrics & Finance

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Operational Efficiency Impacting the Relationship Between Financial Technology and Company Value in Banking in Indonesia: A Systematic Literature Review ira nur juliana; Nila Nafisatul Fitriyah; Najwa Prima Izandy
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.5.2.1854

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 30 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 Keywords: Financial Technology, Firm Value, Operational Efficiency, State-Owneds Banks, Systematic Literature Review
Co-Authors Ira Nur Juliana Nila Nafisatul Fitriyah