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Journal : Emerging Science Journal

Leveraging Financial Technology Entity into Sustainable Bank Performance through a Competitive Advantage Steph Subanidja; Fangky Antoneus Sorongan; Mercurius Broto Legowo
Emerging Science Journal Vol 6, No 1 (2022): February
Publisher : Ital Publication

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.28991/ESJ-2022-06-01-04

Abstract

The study investigates the existence of a fintech entity that effect sustainable bank performance through competitive advantage and introduces a new fintech entity as an antecedent of competitive advantage and performance. Analysis of the causes of disturbance of the performance uses quantitative and qualitative approaches. The study uses 59 questionnaires returned from all 70 bank financial managers as a National Commercial Bank Association member. Five informants were selected from the Central Bank of Indonesia, the Financial Services Authority, the Indonesian Fintech Association, a bank business player, and the Commercial Bank Association Management. Using Partial Least Square, the results show that the fintech entity can drive sustainable bank performance, directly and indirectly, through competitive advantage. The existence of fintech is a dominant factor for achieving performance. From the informants, the results show that collaboration with a fintech entity is necessary and initially, the banks in running a business based on a perspective of experience. Moreover, Informants predicted that fintech and competitive conditions would significantly influence performance in the present and the future. Then, the implication is that fintech cannot be avoided but must be embraced as bank cooperation partners to sustain the performance. Doi: 10.28991/ESJ-2022-06-01-04 Full Text: PDF
Sustainable Bank Performance Antecedents in the Covid-19 Pandemic Era: A Conceptual Model Steph Subanidja; Fangky Antoneus Sorongan; Mercurius Broto Legowo
Emerging Science Journal Vol 6, No 4 (2022): August
Publisher : Ital Publication

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.28991/ESJ-2022-06-04-09

Abstract

The study proposes a conceptual model of sustainable bank performance antecedents in the Covid-19 Pandemic Era. This study uses a qualitative perspective. Data gathering is done using depth interviews with the Indonesian Central Bank, the Authority of Financial Services, and the National Commercial Banks Association members. Using ethnography analysis from interviews, focus group discussions, and previous studies shows that many variables affect the performance. However, the exogenous variable on performance is without precisely placing fintech and regulations as an antecedent. The study results then constructed the fintech and regulations as intervening and moderating variables for the performance, whereas the other variables were as business driver variables. The study's improvement is that fintech and regulations are the main antecedents for the performance during the pandemic. Fintech is not only an entity outside the bank but also an innovation inside the bank. Moreover, the other improvement is that the bank is not only an institution of customer trust but also an institution with a full touch of technology. Consequently, banks must adopt fintech, and cooperating with fintech entities is a wise choice. The study then proposes a conceptual model of sustainable bank performance that connects business drivers, fintech, and regulations. Doi: 10.28991/ESJ-2022-06-04-09 Full Text: PDF