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Vincent Vincent, Vincent
Binus University
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Journal : Equilibrium

 1 
PENGARUH FINTECH TERHADAP KINERJA KEUANGAN PERBANKAN Vincent, Vincent; Agustin, Isnaini Nuzula
Equilibrium: Jurnal Penelitian Pendidikan dan Ekonomi Vol. 21 No. 01 (2024): Equilibrium: Jurnal Penelitian Pendidikan dan Ekonomi
Publisher : Universitas Kuningan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.25134/equi.v21i01.8865

Abstract

AbstrakDi era globalisasi ini kemajuan teknologi yang pesat telah memfasilitasi peningkatan signifikan dalam banyak aspek kehidupan sosial, termasuk kehadiran teknologi keuangan. Penelitian ini bertujuan untuk melihat pengaruh antara financial technology (Fintech) terhadap kinerja perbankan di Indonesia. Fintech diukur melalui tiga proxy, yaitu Mobile Banking, Internet Banking dan SMS Banking. Jenis penelitian menggunakan jenis penelitian deskriptif. Pendekatan dan metode penelitian yang digunakan pada penelitian ini menggunakan metode kuantitatif adalah jenis penelitian yang hasil penemuannya diperoleh dari analisa data berupa angka. Dengan kata lain, bagian-bagian temuan disusun secara sistematis untuk mencari keterkaitan antara satu dan lainnya hingga dapat diambil kesimpulan. Metode penarikan sampel yang digunakan yaitu Purposive Sampling, menghasilkan sebanyak 12 bank yang layak dipilih sebagai sampel pada periode tahun 2017 – 2022. Dengan menggunakan metode analisis regresi panel, hasil studi ini menunjukkan bahwa Mobile Banking dan Internet Banking berpengaruh signifikan terhadap Return on Assets dan Return on Equity, sedangkan SMS Banking tidak menunjukkan pengaruh signifikan terhadap kinerja perbankan. Hasil studi ini diharapkan dapat berkontribusi terhadap practitioner, perbankan, akademisi dan pengambil kebijakan dalam memanfaatkan financial technology untuk meningkatkan kinerja perbankan terutama di Indonesia. kata kunci : teknologi keuangan; kinerja perbankan; mobile banking; internet banking; sms banking AbstractIn this era of globalization, rapid technological advances have facilitated significant improvements in many aspects of social life, including the presence of financial technology. This study aims to look at the influence between financial technology (Fintech) on banking performance in Indonesia. Fintech is measured through three proxies, namely Mobile Banking, Internet Banking and SMS Banking. This type of research uses descriptive research. The approach and research methods used in this study using quantitative methods are a type of research whose findings are obtained from analyzing data in the form of numbers. In other words, the parts of the findings are arranged systematically to find the relationship between one and the other until conclusions can be drawn. The sample withdrawal method used is Purposive Sampling, resulting in 12 banks that are eligible to be selected as samples in the period 2017 - 2022. Using the panel regression analysis method, the results of this study show that Mobile Banking and Internet Banking have a significant effect on Return on Assets and Return on Equity, while SMS Banking does not show a significant effect on banking performance. The results of this study are expected to contribute to practitioners, banks, academics and policy makers in utilizing financial technology to improve banking performance, especially in Indonesia. Keywords: financial technology; banking performance; mobile banking; internet banking; sms banking
Co-Authors Abubakar, Farrel Reyhansyah agustin, isnaini nuzula Aisha, Najwa Shanaya Al Karan Caniago, Khafidh Alexios, Constantine Amalia Dwi Cahyani Andika, Ilham Angel Angel Angelina, Clara Lavita Angeline angeline Anjelica, Anjelica Apriandi, Apriandi Ariawan Gunadi Aries Alpendri Arkananta, Muhammad Radhitya Baihaqi, Muhammad Yeza Candy, Candy Chandika, Wilkinson Chatarina Umbul Wahyuni Chen, Chin Fong Chintya, Ora Christiarini, Renny David Sutanto Dewi, Sumartini Dyah Budiastuti Ellen Ellen Erryson, Davin Eryc, Eryc Eveline, Christina Fathul Jannah, Fathul Fitriano, Andre Glaudira, Nadya Hafsa, Zhilla Syauqina Hakim, Thaufiq Ar Halawa, Edmun Handayani, Melia Helen, Helen Hendru, Hendru Hermawan, Surya Herwin Herwin, Herwin Hesniati, Hesniati Hummerson, Laureen Aurora Husin, Denny Indasari Deu Itaar, Israel Gabriel Jasmine, Florentina Joni Welman Simatupang Julianti, Selly Kelvin Kelvin Keni Keni Kennedy, Winson Kristina Kristina Lim, Nicholas Lunda, Axel Nathanael M.G.L, Deborah Maduma Sari Sagala Maharany, Maharany Manalu, Yohana Gusvita Megawati - Mikha, Mikha Monica Meyer, Sharon Moody Rizqy Syailendra Putra Mota, Rafael Alfredo Munajat, Muhammad Nainggolan, Jusup Aprillius Ng, Octarianto Lika Ngayomi Yudha Wastuti, Sri Ningsih, Vivian Febri Noviana Noviana Pancasakti, Bima Prasetya Pangaribuan, Christian Haposan Panggabean, Maya Sabirina Pranata, Catri Wirya Pranata, M. Yuda Purnama, Irwan Rachmadhani, Andi Intan Rachmat Gunadi Wachjudi Rahmadhani, Gina Raiis, Daffa Dzaki Ramadani, Naila Ramadhanis, Zainab Riza, Rivan Rospawan, Ali Rubby Rahman Tsani Samsuri, Faisal Selfia Alke Mega, Selfia Alke Setiawan, Ericks Setiyadi, Surawan Shereen, Shereen Sherlly, Sherlly Sri Hartini Supriadi, Latif Sutoyo Sutoyo Tanaka, Valencia Teoh, Ai Ping Tjan, Charles Tri Sudibyo Tumipa, Rafael Samuel Ulfani, Dulia Vernando, Lovis VERONICA VERONICA Vidella, Vania Vivikoh, Vivikoh Wanibe, Kenji Dustin Welwen, Welwen Wijaya, Jonathan Wijaya, Selvi Elyana Winsen, Winsen Wulan Purnama Sari Yanti, Bely Novi Yoel Yoel Yulfiswandi, Yulfiswandi Yuni Priskila Ginting Yunior, Khomeiny Zahra, Amalia Zhang, Henry Yono