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All Journal Indonesian Journal of Geography Jurnal Ekonomi Pembangunan: Kajian Masalah Ekonomi dan Pembangunan Riset Akuntansi dan Keuangan Indonesia Journal of Economic, Bussines and Accounting (COSTING) Ekuilibrium : Jurnal Ilmiah Bidang Ilmu Ekonomi Jurnal Ekonomi Manajemen Sistem Informasi Community Engagement and Emergence Journal (CEEJ) Budimas : Jurnal Pengabdian Masyarakat Dinasti International Journal of Economics, Finance & Accounting (DIJEFA) Transekonomika : Akuntansi, Bisnis dan Keuangan Journal of Applied Economics in Developing Countries IIJSE El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Riset Akuntansi dan Keuangan Indonesia Journal of Ekonomics, Finance, and Management Studies
Rochmatullah ., Rochmatullah
Universitas Muhammdaiyah Surakarta
Religion Agriculture, Biological Sciences & Forestry Humanities Civil Engineering, Building, Construction & Architecture Earth & Planetary Sciences Economics, Econometrics & Finance Education Environmental Science Health Professions Industrial & Manufacturing Engineering Social Sciences Other

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THE IMPACT OF FINANCIAL TECHNOLOGY ON BANKING PROFITABILITY IN INDONESIA Ghiffary, Muhammad Irham; Rochmatullah, Mahameru Rosy
Journal of Applied Economics in Developing Countries Vol 11, No 2 (2026): In press September
Publisher : MESP–FEB UNS

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20961/jaedc.v11i2.117660

Abstract

This study investigates how Financial Technology (FinTech) influences banking profitability in Indonesia by comparing conventional and Islamic banks amid the country’s ongoing digital transformation. While FinTech adoption has grown rapidly in recent years, prior studies have mostly examined only one type of banking system, leaving limited evidence on whether digital financial services affect conventional and Islamic banks differently. To address this gap, this research uses a quantitative approach based on panel data from 180 observations of selected banks during the 2020–2024 period. FinTech adoption is represented by QRIS and mobile banking transactions, while profitability is measured using ROA, ROE, and NIM for conventional banks and NOM for Islamic banks. Multiple linear regression and classical assumption tests were used to analyze the data. The findings show that the impact of FinTech on profitability is not uniform across banking models. In conventional banks, QRIS significantly improves ROA and ROE, indicating that digital payment adoption helps improve transaction efficiency and financial performance. In Islamic banks, QRIS shows a broader impact and contributes more consistently to profitability, particularly in improving asset performance. Meanwhile, mobile banking tends to show weaker effects, suggesting that its financial benefits may take longer to materialize. These results highlight that the effectiveness of digital financial adoption depends on the operational characteristics of each banking system. This study adds comparative evidence from an emerging economy and suggests that regulators and banks should develop digital strategies that align with the specific needs of both conventional and Islamic financial institutions.
Co-Authors Abid Muhtarom, Abid Al-Khalil, Ikpram Azizi Asyiqin, Zainal Atwal Arifin Candrawati, Aisha DJ, Yunni Rusmawati Erma Setiawati Fadhila, Zahra Putri Nur Farid, Chabib Hasan Imam Al Fauzan, F Fauzi, Muhammad Zufar Firmansyah, Zaldian Ghiffary, Muhammad Irham Jati, Ade Khurnia Kurnia Riyadi Muqorobin, Muqorobin Mustoffa, Ardyan Firdausi Nur Cahyani, Siti Nur Prasetyo Aji Nurul Badriyah Nurul Fauziyah, Nurul Rafli Rahmad Rifani Rahmawati, Rahmawati Ramadhaniar, Kinanti Arka Rita Noviani, Rita Rudy Hartanto Rukmini Rukmini Saputra, Aditya Eka Sarah Rum Handayani Setyowati, Devaria Aisya Siti Arifah Siti Nurlaela Sri Mulyani Suprihati - Syafiqoh, Naufal Titin Titin Tulaila, Rohmah Yuwita Ariessa Pravasanti, Yuwita Ariessa