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Eka Ananta Sidharta
Universitas Negeri Malang
Agriculture, Biological Sciences & Forestry Humanities Biochemistry, Genetics & Molecular Biology Chemical Engineering, Chemistry & Bioengineering Chemistry Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Earth & Planetary Sciences Economics, Econometrics & Finance Education Environmental Science Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Mathematics Neuroscience Physics Social Sciences Other

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The Impact of Banking Digital Transformation on Financial Performance With Firm Size as A Moderating Variable Rosie Shabatiny Degely, Joana; Ananta Sidharta, Eka; Makaryanawati, Makaryanawati
International Journal of Science and Environment (IJSE) Vol. 6 No. 1 (2026): February 2026
Publisher : CV. Inara in Colaboration with www.stie-sampit.ac.id

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51601/ijse.v6i1.411

Abstract

This study aims to analyze the impact of digital transformation on banking financial performance with firm size as a moderating variable. Banking financial performance in Indonesia shows a fluctuating trend with a decrease in Return on Assets (ROA) from 2.47% in 2019 to 1.59% in 2020, although experiencing an increase in 2022 to 2.01%. Digital transformation has become a strategic solution through reducing operational costs by up to 50-70%, creating new revenue streams, and increasing customer lifetime value. This study uses panel data from 29 banking companies listed on the Indonesia Stock Exchange for the period 2020-2024 with a total of 145 observations. The analytical method employed is Moderated Regression Analysis (MRA) with a Fixed Effects Model. The results show that digital transformation has a significant positive effect on financial performance (β = 0.0089; p = 0.029). Firm size is proven to moderate the relationship between digital transformation and financial performance positively and significantly (β = 0.0004; p = 0.047), indicating that larger banks obtain more optimal benefits from digital transformation compared to small and medium-sized banks. This study contributes theoretically to the Resource-Based View (RBV) in the context of digital transformation and provides practical implications for banking management in designing digitalization strategies tailored to firm size.
Co-Authors Adrian Hartanto Darma Sanputra Agus Sumanto Ahyar, Shynta Nuril Rahmawati Arifudin Arifudin Arifudin Azzahra, Azzahra Bambang Santoso Bambang Sugeng Dudung Ma'ruf Nuris Endang Sri Andayani Faris Syahfaturohma Fulgentius Danardana Murwani Furqorina, Rizka Hadi, Zufly Amrullah Makaryanawati Noor Syaifudin Nugraha, Tatas Ridho Nurika Restuningdiah Pratiwi, Venni Ayunda Puji Handayati Putri, Elsa Isnaini Rahmah, Nailur Ridoni Fardeni Harahap Rohmatin, Yunia Rosie Shabatiny Degely, Joana Satia Nur Maharani Setiadi, Arief Setyowati, Eko Mety Singgih Bayu Indra Hermawan Sriyani Mentari Triadi Agung Sudarto Wardini, Amalia Kusuma Wati, Indah Kumoro Winda Ayu Anggraini Wulansuci, Rohmah Yohanes Sri Guntur