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Mahameru Rosy Rochmatullah
Universitas Muhammadiyah Surakarta
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Civil Engineering, Building, Construction & Architecture Computer Science & IT Control & Systems Engineering Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Electrical & Electronics Engineering Engineering Environmental Science Health Professions Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Social Sciences Other

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Journal : journal of applied economics in developing countries

 1 
THE IMPACT OF FINANCIAL TECHNOLOGY ON BANKING PROFITABILITY IN INDONESIA Muhammad Irham Ghiffary; Mahameru Rosy Rochmatullah
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 Ade Khurnia Jati Aenuriya Syifana Afifah Miftakhul Jannah Aisha Candrawati Aisyah Amini Hasibuan Aisyiah Rizqi Aulia Amperawati, Endang Dwi Anggraeni, Roshita Dwi Anggun Ayu Setyawati Aprilia Riski Andriyani Ardyan Firdausi Mustoffa Arifah, Siti Astri Paramitajaya, Naj’ma Atwal Arifin Banu Witono Benny Tjahjono Chabib Hasan Imam Al Farid Devaria Aisya Setyowati Dewi Setyoningsih Dexa Novrian Siswantara DIAN SAVITRI Didik Prasetyanto DJ, Yunni Rusmawati Doddy Setiawan Dwi Haryanti, Christina Dwi Rahayu Elwas tantyo Pranowo Endang Dwi Amperawati Erma Setiawati Evi Gantyowati Fatchan Achyani Fauzan Fauzan Fauzi, Muhammad Zufar Fegato Arumdapta Ersudewo Fitriani, Nadea Galuh Dwi Pramesti Hasan Mukhibad Ikhsannudin, Alif Wildan Intan Permata Sari Kinanti Arka Ramadhaniar Kusuma Wijayanto Marsheila Nurul Khassanah Moh Aldo Fahrul Azmi Muhammad Irham Ghiffary Muhammad Rafy Subekti Muji Burrohman Muqorobin Muqorobin Nadella Rahmadani Naufal Syafiqoh Nur Aulia Nurul Badriyah Nurul Badriyah Nurul Rahayu Purwanti, Noer Indach Putri Handayani Putri, Eskasari Rahmawati Rahmawati Rahmawati, Rahmawati Ramadani, Himammul Adhim Ramadhani, Faradila Rembulan Angger Malasari Rika Indah Lestari Rita Noviani Riyardi, Agung Rizky Anika Sari Roza Novita Purnamasari Rozaq Syamsul Hidayatullah Rudy Hartanto Rukmini Rukmini Salsabila, Sylvia Aida Saputri, Yulia Dewi Sarah Rum Handayani Shofiah Indriawati Siti Nur Cahyani Siti Nurlaela Siti Nurlaela Sri Mulyani Suprihati Titin Titin Titin Titin Viki Riko Felandi Warsina Warsina Wijaya, Kurnia Mahanani Winarna, Jaka Yuli Tri Cahyono Yulia Dewi Saputri Yuwita Ariessa Pravasanti Zahra Putri Nur Fadhila Zaldian Firmansyah