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All Journal HAYATI Journal of Biosciences MEDIA PETERNAKAN - Journal of Animal Science and Technology Edu-Sains: Jurnal Pendidikan Matematika dan Ilmu Pengetahuan Alam E-Journal Home Economic and Tourism ELKHA : Jurnal Teknik Elektro Gorga : Jurnal Seni Rupa Edutech Pendidikan Matematika Cannarium (Jurnal Ilmu-ilmu Pertanian) JURNAL PETERNAKAN International Journal of Advances in Intelligent Informatics Jurnal Informatika dan Teknik Elektro Terapan Jurnal Agroteknos Jurnal Sains dan Teknologi Pangan Jurnal Ilmiah Universitas Batanghari Jambi Animal Production : Indonesian Journal of Animal Production Jurnal Penelitian Pendidikan IPA (JPPIPA) Home Economics Journal JURNAL INSTEK (Informatika Sains dan Teknologi) Ekspresi Seni : Jurnal Ilmu Pengetahuan dan Karya Seni CARADDE: Jurnal Pengabdian Kepada Masyarakat Jurnal Kebijakan Perikanan Indonesia AkMen JURNAL ILMIAH JURNAL PENDIDIKAN TAMBUSAI Collaborative Medical Journal (CMJ) Patria Artha Journal of Accounting Dan Financial Reporting Jurnal Endurance: Kajian Ilmiah Problema Kesehatan Jurnal Ilmiah Dikdaya YUME : Journal of Management PengabdianMu: Jurnal Ilmiah Pengabdian kepada Masyarakat Jurnal Biotek DIDAKTIKA : Jurnal Kependidikan Jurnal Onoma: Pendidikan, Bahasa, dan Sastra Jurnal Kridatama Sains dan Teknologi JRTI (Jurnal Riset Tindakan Indonesia) Jurnal Penelitian Kehutanan Bonita Real in Nursing Journal JURNAL LENTERA BISNIS J-PIPS (Jurnal Pendidikan Ilmu Pengetahuan Sosial) Jurnal Silva Tropika Jurnal Abdi Insani Community Development Journal: Jurnal Pengabdian Masyarakat Khazanah Intelektual Jurnal Ilmiah Wahana Pendidikan Jurnal Agroekoteknologi dan Agribisnis Prosiding Konferensi Nasional PKM-CSR Jurnal Kesehatan Abdurrahman Jurnal Salam Sehat Masyarakat (JSSM) Relief: Journal of Craft ALSYS : Jurnal Keislaman dan Ilmu Pendidikan MASALIQ: Jurnal Pendidikan dan Sains Jurnal Karya Abdi Masyarakat Cakrawala: Jurnal Pengabdian Masyarakat Global Jurnal Ilmiah Ilmu-Ilmu Peternakan JOURNAL OF WETLANDS ENVIRONMENTAL MANAGEMENT Paradoks : Jurnal Ilmu Ekonomi Indonesian Journal of Pedagogical and Social Studies Jurnal Pengabdian Masyarakat Pinang Masak Vertex Elektro Jurnal Ilmiah Neraca : Ekonomi Bisnis, Manajemen, Akuntansi Jurnal Penelitian dan Pengabdian Masyarakat Kohesi: Jurnal Sains dan Teknologi Jurnal Pertanian Khairun (JPK) Jurnal Akademik Pengabdian Masyarakat Al-Suaibah Midwifery Journal JURNAL ILMIAH WAHANA LAUT LESTARI (JIWaLL) Journal of Muhammadiyah’s Application Technology PESHUM Edubiotik : Jurnal Pendidikan, Biologi dan Terapan Jurnal Medika Usada ABDIKU : Jurnal Pengabdian Masyarakat Universitas Mulawarman
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Journal : JURNAL LENTERA BISNIS

PENGARUH FINANCIAL TECHNOLOGY DAN PENGGUNAAN ASET TERHADAP KINERJA KEUANGAN DENGAN EFISIENSI OPERASIONAL SEBAGAI VARIABEL MEDIASI PADA BANK DIGITAL YANG TERDAFTAR DI BURSA EFEK INDONESIA Nurlaela, Nurlaela; Samsu G; Musfira, Ria; Abadi, Indra; Adriani, Adriani
JURNAL LENTERA BISNIS Vol. 15 No. 1 (2026): JURNAL LENTERA BISNIS, JANUARI 2026
Publisher : POLITEKNIK LP3I JAKARTA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.34127/jrlab.v15i1.2040

Abstract

This study aims to analyze the influence of fintech and asset utilization on financial performance, with operational efficiency as a mediating variable, in digital banks listed on the Indonesia Stock Exchange (IDX). Using quantitative data from digital banks' financial reports for the 2021–2024 period, this study examines how the development of financial technology (fintech) and asset utilization affect banks' profitability and financial stability through increased operational efficiency. Sampling in this study was conducted considering relevant and specific criteria to ensure the results reflect the actual conditions of the population studied. The sample was selected from digital banks listed on the Indonesia Stock Exchange in 2024, with complete financial and operational data for at least the past two years. Inclusion criteria included 15 digital banks officially operating and having complete financial reports from 2021 to 2024, representing 75 sample units. The sampling technique used was purposive sampling. The data analysis tool used was SEM (Structural Equation Modeling). The analysis shows that fintech significantly accelerates service innovation and expands market access, thus contributing significantly positively to operational efficiency and financial performance. Optimal asset utilization also plays a crucial role in reducing credit risk and improving portfolio quality, ultimately improving operational efficiency and financial performance. Operational efficiency has been shown to contribute significantly positively to financial performance. Operational efficiency has been shown to be a mediating variable that strengthens the relationship between fintech, asset utilization, and financial performance. This study provides important implications for policymakers and digital bank management in optimizing operational strategies and technology investments to enhance competitiveness in the increasingly dynamic digital financial market.
Co-Authors A Sudono, A Abadi, Indra Abd Hafid Abda Abda ABDU RAHMAN BACO, ABDU RAHMAN Abdul Hafid Abdul Rahman Abdullah, Suhardin bin Adella, Donna Canceri ADI SUDONO Afreni Hamidah Afria, Reni Afrianto, Shadiq Taqwa Agung Anugrah Agusti Efi Ahdar Ahdar, Ahdar Akmal Akmal Aldiansyah, Muh Ali, Rahmi Imanda Alvina Alvina AMELIA, ELSA Andariana , Andi ANDI KHAERUNI Andi Mawardi Fajar Andriani, Rika Anisa Anggraeni, Anisa Annisa, Zetri Ansharullah ansharullah Antarissubhi, Antarissubhi Anwar, Nurfiah Aprilia, Vivi Yunita Apriliani, Nissa Ardeni, Nofi Ardiansah, Ahmad Arena, Nadila Arif, Nurfadhilah Arsa, Fawzia ASMEN MANALU Atika, Cindy Nur Ayu, Dhella Azizah Azizah Azkiya, Ainun B, Sabaruddin Bakri Bakri Bakri Bakri Bakri Bakri Baskoro, Bayu Baso Sardjan Bayu Rosadi Beginer Subhan Beti Septiana Darsono Budiyati Ichwan Chadijah, Andi Chair, Ummul Darlis Darlis, Darlis Darlisa Muhamad darman, muh. yusril Darmawati, Junay Depison Depison Derisa Derisa DEWI SARTIKA Dewi, Liyan Puspita Diana Putri Dietriech Geoffrey Bengen Disnawati Disnawati, Disnawati Djafar, Syahrul Eka Apriyanti Eliyanti Eliyanti Elyanti, Elyanti Elymaizar, Zulfa Endri Musnandar erlangga, Febri Ernawati Ernawati Fadillah, Alief Fahmida, Fahmida Fajar, Muhammmad Fatmawati, Tresna Filawati Filawati FITRIANI, NOVA Frederica, Irene Geby Meyliona GUSNAWATY, HS Gustiani, Nurulita H Tidore, Muh faedly Hadaf, Alifa Halim, Rd. Halimul Bahri Halmawati, Halmawati Hamzah, Hamzah Hardanti, Elvi Hardianti, Witria Hasliah Hasliah Hasliah, Hasliah Hasria Alang Hasriawati, Leli Hastuti Hastuti Hendra Dhermawan Sitanggang Henny Poerwanty Hervilas, Vivi Hidayat, Muh Sultan Agung Hidayati, Sri Aisyah Huko, Kaprius Paji Hutwan Syarifuddin Hutwan Syarifuddin I Ketut Sutama IK Sutama, IK Ilham, Yuwanda Imranisa Maryami Indriani Indriani Irianto Irianto Isdamayanti, Isdamayanti Ishak, Lily Isnain, Fajriati Izalika, Izalika Izwerni Izwerni Juhariah, Sitti Jul Andayani JUSRIL, JUSRIL Juwita, Syahrida Kahar, Fauzi Abdul KH, YUSNIMAR Khadijah, St Khairunissa, Rafissah Adilah kurniawan, nawan Kuswandi, Wawan Lailatul Fitri Lateko, Abd Halik Lateko Lateko, Andi Abd Halik Lidya Fransisca Lidya Fransisca, Lidya Liffia Oka Lydia Lisa Wahyuni Luber, Yusuf Amirullah M. Afdal M. Ridwan M. Yusuf Madi, Nasrullah La Maemunah Maemunah Maharani, Shendy Mairizal Mairizal Manafi, Efi Noferya Mandalika, Ririn Mardiyani Sidayat Marfianda, Wiwi Maritje Rombe Mbu, Margaretha Stevany Misnawati, Tri Miswandi, Muhammad Mubarrok, Muhammad Tirta Muh. Sofian Assaury Yahya Muhamad, Darlisa Muhammad Irfandi, Muhammad Muhammad Kadir Muhammad Yunus Muharrani, Khalishah Rezky Mukhtar Lutfi Mulia Suryani Mulyana, Annisa Muniardi, Muniardi Musfira, Ria Muslihati Muslimin Putra, Dilan Adrian MUTHMAINNAH Nabila, Alifah Biggum Nahlunnisa, Hafizah Nasri, A Nasruddin Nasruddin Neila Sulung Neila Sulung, Neila Nella Kusuma Nia Komala Sari Nicky Wulan Sari Nildayanti Nildayanti Ningrum, Risma Nirwana, Nirwana nora almi Novrita, Sri Zulfia Novrita, Sri Zulvia Nur Fatimah Nuraeni, Mira Nurfadhila, Dinda Emilya Nurfaidah Nurfaidah Nurhayati Nurhayati NURLAELA NURLAELA Oktavia, Sisi Oktaviani, Vina Paradita, Yuyun PERTIWI, INTAN Purnamawati, Sischa Putri, Azizah Dwi Putri, Lolita Aida R, Wahyudi Pratama R. Sapto Hendri Boedi Soesatyo Raguati Raguati Rahmad, Rizki Ibnu Rahmania Rahmania Rahmania Rahmania Rahmat Hidayat Rahmat, Fadhlan Basiluddin Ramadani, Emilia April Ramadhani, Mitra Ramadlan, Ahmad Ramainas Ramainas Ramayani, Wulan Ramelawati, Ramelawati Ramli, Asnawi Randy Nugraha Raudhatun Nisa Reski, Muhammad Resky Aksar Revoldai Agusta Reyna Ashari Richal, Achmad Ridwan, Ridwan Ridwang Ridwang, Ridwang Rifaat, Andi Bajiel Rigel, Rigel Rika Syafitri Rimayana, Oksy Rina Susanti Risdayanti, Risdayanti ROHANA ROHANA Rombe, Maritje Rosyadi, Farhana Lafaticha Rukmini Rukmini Ryan Adhitia Muslim Saad, Wan Zuhainis Sahrim, Mus’ab Saleh , Rahmat Samsu G Samsu G, Samsu G Samsuardi Samsuardi, Samsuardi Saputri, Rien Ana Sarawa, Resty Sardjan, Baso SARI, DINA HERLINA Sari, Febri Anita Sari, Indah Cantika Sari, Lidia Novita sari, Mutia Sarwo Edy Wibowo Savitri, Revi SELVI MARTALINDA Sephiani, Fany Setiaji, Haris Siradjuddin, Siradjuddin Siti Hafsah Siti Nurjannah Sri Aisyah Hidayati Sri Muliani Sri Novianti Sri Novianti Suddin, Dudung Suleyman, Suleyman Sulityowati, Dwi Oktarina Suryani Nasution, Helmi Susanti, Ria Ana Susrina Hud Syafria, Hardi Syahru Ramadan, Syahru SYAHYADI, ASEP INDRA Syamsiar, Syamsiar Syamsul Syamsul Syamsul, Aswandi Syamsuri Syamsuri Syukraini Putri, Afifi T Sutardi Takwa, Takwa Talita, Talita TATI NURHAYATI Tidore, Faedly Tidore, Muh Faedly H TOHA SUTARDI Udin Udin Umaira, Umaira Ummi Kalsum Utami, Anisa NurLatifa W Manalu wahyu, anjas ade Wawandi, Muh Arsyil Weni Nelmira Wenni Meika Lestari Wicaksono, Kebat WIDIASARI, YOSI Wildati Zahri Winandha, Cut Sheilla Saomyra Wiwit Febrina Wulandari, Tri Laela Y. G. Armando Yananda, Rizki Yasnidawati Yasnidawati Yennafri, Yennafri Yenni Idrus Yesikaberli, Yesikaberli Yuafni Yuafni Yuniar, Vira A.P Yurleni Yurleni Yusal, Muh Sri Yusrina Yusrina Yusrizal Yusrizal Yusuf, Dwiky Andryawan Zahir Zainuddin Zahra, Mutia Mesa Zukri, Wahyu Apriansyah Zulfaneti Zulfaneti Zulkarnain Zulkarnain Zulmi, Yuliya