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All Journal ETIKONOMI Jurnal Siasat Bisnis Jurnal Ilmu Manajemen (JIM) The Asian Journal of Technology Management (AJTM) Journal of Islamic Monetary Economics and Finance Sebelas Maret Business Review Proceeding of National Conference on Accounting & Finance Journal of Digital Marketing and Halal Industry
Tastaftiyan Risfandy, Tastaftiyan
Fakultas Ekonomi dan Bisnis Universitas Sebelas Maret
Decision Sciences, Operations Research & Management 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 Andriansa, Rama Anindyastri, Ranty Arumsari, Septiana Lisa Ayu Dwi Utami Burhanudin Harahap Deny Dwi Hartomo Dewi, Resfita Dewi, Toifsa Rosita Istiyanto, Choirul Kusumaningrum, Susana Diah Nugrahani, Isnaini Dyah Purnomowati, Nasyi'ah Hasanah Rahardjoputri, Rolina Rahmadany, An Nisaa' Saktiawan, Bimo Setiyono, Bowo Suliyono, Joko Syaiful Amri