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All Journal Jurnal Ilmu Manajemen & Ekonomika
Desi Lestari
STIE Indonesia Banking School
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Social Sciences

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Digital Products Increase Fee-based Income Banking in Indonesia Ossi Ferli; Desi Lestari; Luh Ifaterani Isabrenda Kusumawardhani
Jurnal Ilmu Manajemen & Ekonomika Vol 15, No 1 (2022): Jurnal Ilmu Manajemen dan Ekonomika, Vol. 15, No.1, December 2022
Publisher : Indonesia Banking School

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35384/jime.v15i1.300

Abstract

This study aims to analyze the effect of digital innovation on fee-based income for five commercial banks listed on the Indonesia Stock Exchange for the 2015-2019 period. The analytical tool used in this study is panel multiple regression equations with the dependent variable feebased income and the dependent varia-ble Number of ATMs, CRM & CDM, Number of SMS, transactions Internet and Mobile Banking, Number of Branches. The results showed that Branches has an insignificant effect on fee-based income. The num-ber of ATMs, CRM & CDM, and the number of SMS, Internet and Mobile Banking transactions has a sig-nificant positive effect on fee-based income. This indicates that digital innovation in banking can increase the bank's fee-based income.
Co-Authors Ferli, Ossi Luh Ifaterani Isabrenda Kusumawardhani