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All Journal Jurnal Administrasi Bisnis Journal of Central Banking Law and Institutions
Sri Sulasmiyati
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Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Law, Crime, Criminology & Criminal Justice Social Sciences

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Fintech, Digital Banking, and Profitability Under Macroeconomic Pressure: Evaluating Regulatory and Institutional Implications for Indonesia’s Banking System Sri Sulasmiyati; Adilla Sari Siregar; Sri Sulasmiyati; Adilla Sari Siregar
Journal of Central Banking Law and Institutions Vol. 5 No. 3 (2026)
Publisher : Bank Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21098/jcli.v5i3.360

Abstract

The digital banking era has introduced risks and opportunities that significantly affect bank profitability. This study examines 28 banks listed on the Indonesia Stock Exchange (IDX) between 2020 and 2022, focusing on the influence of credit risk, digital banking, and fintech on profitability, measured in this study by Return on Assets (ROA). Employing panel data analysis through EViews 12, two regression models were tested, one excluding and one including GDP as a control variable. Comparative results underscore Non-Performing Loans (NPLs) as the most consistent determinant, exerting a significant negative effect on ROA. While peerto-peer (P2P) lending initially appeared to hinder profitability, its impact diminished once macroeconomic conditions were controlled for. Moreover, although mobile banking adoption continues to expand, its immediate contribution to profitability remains statistically insignificant within this sample. Overall, the findings highlight credit risk as the primary concern, suggesting that stronger regulatory frameworks and enhanced collaboration between banks and fintech firms are essential to safeguarding financial stability. These insights emphasise the need for policymakers and banking executives to prioritise credit risk management while fostering a cooperative ecosystem to navigate the complexities of the digital transformation.
Co-Authors . Dwiatmanto . M.G. Wi Endang NP . Qur’anitasari . Suhadak . Topowijono Achamd Rizky Na’im Purnama Adi Noor Subiantoro Adilla Sari Siregar Adilla Sari Siregar Afinsza Wahyu Bramantya Ahmad Fariz Kazhimy Ahmad Romadhani Alif Richky Akbar Alvis Yudawanto Andhini Paramita Julianti Annisha Rahma Anggraeni Arfidan Sabiq Musyaffa’ Aya Shopia Ayukha Asna Levia Azisha Dwita Ariani Bagus Aditya Rahman Bhirawa Anoraga Purbantoro Cecilia Hanna Revita Chikita Puspa Nirmala Chisa Sagina Christian Richard Devi Putri Hartianah Devi Yeniasari Dewi Istiqomah Aminin Dhaniswara Danusatrio Dian Dwi Parama Asthri Dicky Andreano Dwi Afif Septiawan Dyah Retno Wulan Egananda Septian Nugraha Elina Amelia Anggraini Elizabeth Gilang Septiana Situmeang Elliv Hidayatul Lailiyah Erick Satryo Wibowo Erika Safira Erry Ramadhan Trimurti Evangelia Simanjuntak Fandi Wijaya Febrian Andre Ferina Nurlaily Fransiska Aprilia Lestari Gandhi Azmi Pambayun Habib Muhammad Husnul Hani Majdina Adha Hara Agum Gumelar Parhusip Haris Ahmad Hasan Irene Sarah Larasati Irza Izmi Sabina Isna Firliana Kartika Dwi Dian Wijayanti Lailatul Ayu Kusumawati Levi Gocklas C.S Lutfi Hidayatul Azizah Magda Saracindy Firdiana Maria Goretty Sinaga Maria Ratna Marisa Ginting Master Prayogi Angga Leoresta MG Wi Endang NP Michael Agyarana Barus Mila Mega Dewi Mirry Yuniyanti Pasaribu Mochammad Al Musadieq Mohammad Yusuf Ramadhan Muhamad Brian Mayzan Muhammad Dandy Kartarineka Putra Muhammad Luqman Zakariya Mujahidah Azzahroh Mutmainah Mutmainah Nadhira Nur Aulia Natasya Halida Dwinitasari Nengah Sudjana Neola Delphinea Nikita Vireyto Nindi Shinta Wati Noel Pardede Nurbayitillah Khatami Nurul Septiana Raden Rustam Hidayat RAy Fani Arning Putri Rendi Ari Setyono Resi Yanuesti Violita Riezkyandha Hutama Putra Rizka Hayyu Oktaviani Rizqi Arfian Dewantoro Rеyna Syalsabеlla Harahap Sari Ariyanti Shelvia Shelvia Shierly Kusuma Junaidi Siti Ragil Handayani Sri Sulasmiyati Syaukani Ichsan Tantri Widya Sari Topowijono Topowijono Tri Ratna Adiningrum Winda Aisyatur Rodiyah Yudha Baskara Zazid Bustomi Zendra Tri Aristama Zhara Marchelina Laurentia