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All Journal Jurnal Jurusan Ilmu Keolahragaan Journal of Physical Education Health and Sport Jurnal Aplikasi Bisnis dan Manajemen (JABM) E-Journal JBMP (Jurnal Bisnis, Manajemen dan Perbankan) Kinestetik : Jurnal Ilmiah Pendidikan Jasmani JURNAL PENJAKORA TEGAR: Journal of Teaching Physical Education in Elementary School JURNAL ILMU KEOLAHRAGAAN Jurnal Performa Olahraga Journal of SPORT (Sport, Physical Education, Organization, Recreation, and Training) Jurnal PORKES Dinasti International Journal of Economics, Finance & Accounting (DIJEFA) Jurnal Pendidikan Jasmani (JPJ) Devotion: Journal of Research and Community Service Gladi : Jurnal Ilmu Keolahragaan Eduvest - Journal of Universal Studies Jurnal Inovasi Global Journal Of Sport Education, Coaching, And Health ACTIVE: Journal of Physical Education, Sport, Health and Recreation
Fauzi, Rizal Ahmad
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Aerospace Engineering Astronomy Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Engineering Health Professions Languange, Linguistic, Communication & Media Mathematics Neuroscience Public Health Social Sciences Other

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Journal : Dinasti International Journal of Economics, Finance

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The Impact of Digital Transformation on Risk-Taking of Commercial Banks in Indonesia Hakim, Muhammad Lukman; Fauzi, Rizal Ahmad
Dinasti International Journal of Economics, Finance & Accounting Vol. 6 No. 4 (2025): Dinasti International Journal of Economics, Finance & Accounting (September - O
Publisher : Dinasti Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.38035/dijefa.v6i4.4975

Abstract

Background: Progress in digital technology has prompted commercial banks to undergo digital transformation to improve operational efficiency and consolidate risk management measures. The empirical relationship between bank risk-taking and digital transformation is however inconclusive and subject to contingencies. Purpose: The study aims to examine the effect of digital transformation on credit risk (Non-Performing Loan/NPL), insolvency risk (Z-score), and liquidity risk (Loan-to-Deposit Ratio/LDR) at Indonesian commercial banks during the period from 2014 to 2024. Design/methodology/approach: This study employs the quantitative technique of panel data regression of 10 Indonesian commercial banks. The Analytic Hierarchy Process (AHP) method is also employed to determine the priority between risk indicators affected by digital transformation in order to guarantee methodological triangulation. Findings/Result: The regression result indicates that digital transformation is statistically negatively correlated with credit risk (NPL), although the correlation is not significant at the 5% level. No significant relationship comes out of Z-score and LDR. AHP results identify that NPL has the highest priority weight of 0.7445, indicating that digital transformation activities are primarily focused on mitigating credit risk. Conclusion: Digitalization of Indonesian commercial banks could potentially reduce credit risk but needs further strengthening and testing to obtain statistically significant outcomes. Emphasis on NPL in AHP analysis highlights the strategic importance of credit risk management in digitalization. Originality/value (State of the art): This study contributes to the exceedingly small empirical literature on the impact of digital transformation on risk-taking in emerging banking markets. It combines econometric and decision-making approaches (regression and AHP) for a first-of-its-kind, combined look at the way digital initiatives prioritize different types of banking risks.
Co-Authors Adrian, Rio Ainun Nizar, Daffa Aldiansah, Rizal Alif, Muhammad Nur Alifah, Meilani Anindita Alya Rahmawati Andrian, Moch Anggaraeni, Lukytawati Anugrah, Rano Arvana Asy'ari, Fadli Adiya Ayu Agustina, Eka Ayudia, Trisa Bawazir, Ibnu Alif Deden Deden, Deden Destriansyah, Yuki Dukat Dukat Dwitama, Muhammad Fachri Erliza Noor Fadhilah, muhammad Yasin Firmansyah, Restu Dwi Fitri, Shafira Nabila Hamzah, Retria Mazni Haryati, Riska Herdiansyah, Sopyan Hery Widijanto Kurnia, Muhammad Arbi Lengkana, Anggi Setia Ma'mun, Amung Melinda, Meli Muhammad Lukman Hakim, Muhammad Lukman Nuryadi Nuryadi Pramana, Esa Rahmawati, Alya Ramadhan, Daffa Fadlamsyah Ramdani, Aria Riyadi, Afrizal Rizki Rizqi, Nauval Rukmana, Anin Rusnindar, Dera Saputra, Yudha Munajat Septiara, Felicia Penny Somantri, Dimas Sudrazat, Adang Suryani, Karina Syaefullah, Mohamad Alwi Syarif, Muhammad Fatiar Trias Andati Wahyudi, Aldi Wiji Lestari, Shabrina Windyaningsih, Mia Yuliansah, Latif