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All Journal Indonesian Journal of Geography ETIKONOMI Jurnal Keuangan dan Perbankan Journal of Indonesian Economy and Business Journal of Islamic Monetary Economics and Finance International Journal of Economics Development Research (IJEDR) Indonesian Capital Market Review Journal of Indonesian Economy and Business
Setiyono, Bowo
Department Of Management, Faculty Of Economics And Business, Universitas Gadjah Mada
Decision Sciences, Operations Research & Management Earth & Planetary Sciences Economics, Econometrics & Finance Social Sciences

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Banking in the Digital Era: Charting the Path from Transformation to Performance in Indonesian Banks Saktiawan, Bimo; Dewi, Resfita; Risfandy, Tastaftiyan; Setiyono, Bowo
ETIKONOMI Vol. 25 No. 1 (2026)
Publisher : Faculty of Economic and Business, Universitas Islam Negeri Syarif Hidayatullah Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15408/etk.v25i1.43624

Abstract

Research Originality: This research develops a new digital transformation adoption measure based on the number of products and services provided by a bank. Research Objectives: This study examines the impact of digital transformation, specifically the adoption of digital services and products, on bank performance in Indonesia. Research Methods: This study used hand-collected data from commercial bank annual reports to determine their digital transformation adoption and the BankFocus BvD database for the banks’ financial data for 2014–2023. This study employed fixed- and random-effects models and the two-step generalized method of moments to address endogeneity. Empirical Results: Digital transformation positively affects banking performance, and the significant effect is heterogeneous in nonstate-owned commercial and small and medium-sized banks. Implications: This study provides policymakers and banking executives with insights into the critical role of digital product and service adoption in overcoming the increasing challenges of modern business. The heterogeneity test results suggest that targeted policies and incentives are needed to create a supportive climate for digital transformation. JEL Classification: G21, G23, G33
Co-Authors Ahmad Maulin Naufa Al Hashfi, Umar Ansari, Rizal Bagus Dwi Ariyono Dewi, Resfita Eduardus Tandelilin Hayun Kusumah Hayun Kusumah Kusdhianto Setiawan Maharani, Novita Kusuma Mamduh M. Hanafi Marwan Asri Muizzuddin Muizzuddin Neng Nurhasanah Nur Muhammad Farda R. Heru Kristanto HC Rachmawati, Rini Rizal Ansari Rizqi Umar Al Hashfi Saktiawan, Bimo Tastaftiyan Risfandy, Tastaftiyan