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All Journal JKBM (JURNAL KONSEP BISNIS DAN MANAJEMEN) Jurnal Riset Manajemen dan Bisnis (JRMB) Fakultas Ekonomi UNIAT Surplus: Jurnal Riset Mahasiswa Ekonomi, Manajemen, dan Akuntansi Kalbisocio: Jurnal Bisnis dan Komunikasi Jurnal Pengabdian Masyarakat dan Penelitian Thawalib Universal Journal of Science and Technology Jurnal Keuangan dan Perbankan Journal of Artificial Intelligence and Digital Business Ad-DA’WAH: Dakwah dan Komunikasi Islam Jurnal Hukum Bisnis Jurnal Ilmiah Ekonomi, Manajemen dan Bisnis (EKMABIS) Journal of Community Research & Engagement (JCRE)
Zainuddin, Zulkifli
STIE Ganesha
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Journal : Universal Journal of Science and Technology

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Factors that influence banking performance: a narrative literature review Asmana, Yandi; Tukiran, Martinus; Sukardi, Sukardi; Zainuddin, Zulkifli
UJoST- Universal Journal of Science and Technology Vol. 3 No. 1 (2024): March 2024
Publisher : Faculty of Science and Technology University of Pramita Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.11111/ujost.v3i1.141

Abstract

The research findings consistently indicate that the emergence of alternative digital credit, provided by FinTech and BigTech firms, has a significant and negative impact on the performance of the banking sector. This impact is observed in both developed and developing countries, leading to decreased bank returns, intermediation margins, and profitability. The negative effect is influenced by various factors, including the degree of stability and market power in the banking sector, the level of competition, and the extent of physical banking infrastructure. Additionally, the growth of digital lending is negatively correlated with banking credit, suggesting a potential substitution effect. The studies address endogeneity concerns and conduct robustness tests to confirm the findings, ensuring the reliability of the results. The implications of the research suggest that the banking industry may need to adapt its business models to compete in an increasingly digital environment, and policymakers should consider regulating new participants in the credit markets to ensure financial stability. These findings provide valuable insights into the impact of alternative digital credit on the banking industry's performance, highlighting the need for banks to adapt to the changing landscape of digital finance and the potential implications for financial stability.
Co-Authors Abdul Kohar Aep Saefullah Akmas, Nabila Aldini Rustandi Farhat Abas Gaffar, Ichsan Haria Saputri Haryono Haryono Idrisi Raliya Putra Martinus Tukiran Moh. Tahang Muhammad Ramdhan Muhammad Ridwan Mulasih, Siti Noviar, Ekky Nugroho, Agung Nurhayati Nurhayati Pagiling, Sarwan Rahman Nurhakim Siti Hamidah Rustiana Sitti Aliyah Azzahra Sukardi Sukardi Sutariyono, Sutariyono Syarif Hidayatullah Tetty Nur Intan Rifia Tohiroh Tohiroh Ujang Kusnaedi Yahya Hamja Yandi Asmana