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All Journal ETIKONOMI Journal of Business, Management and Social Studies
Kurniawati, Regina Zaviera Anggi
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Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Social Sciences Other

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The Influence of FinTech and Banks Collaboration towards Banks Performance: Indonesian Banks Listed Kurniawati, Regina Zaviera Anggi
Journal of Business, Management, and Social Studies Vol. 2 No. 4 (2022): Journal of Business, Management, and Social Studies
Publisher : APPS Publications

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (539.408 KB) | DOI: 10.53748/jbms.v2i4.50

Abstract

The rapid growth of the technology industry has created opportunities to expand businesses such as financial technology. The number of financial technologies is continuously increasing, and this has a variety of consequences for similar businesses. Fintech is claimed to be causing disruption or providing new opportunities for banks to expand their operations. As a result, this study will investigate the influence of fintech and bank collaboration because they both provide financial services. This study will examine 36 banks in Indonesia consisting of 72 samples for the 2019-2020 period. According to the findings of this study, there is no significant influence of bank and fintech collaboration on bank performance. This research will contribute to examining the role of digital financial innovation in the banking sector. Furthermore, banks can use it as a guide to understand the risks and possibilities associated with fintech.
Mediating Role of Self-Efficacy: Resiliency and Entrepreneurial Intention in Young Generation Kurniawati, Regina Zaviera Anggi; Pangaribuan, Christian Haposan; Kembau, Agung Stefanus; Nilam, Edric Budiman
ETIKONOMI Vol. 24 No. 2 (2025)
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.v24i2.41426

Abstract

Research Originality: While combining the TPB and Linan Model, this study provides novelty through its analysis of the underexplored role of financial resources and self-efficacy in shaping entrepreneurial intentions among the young generation. Research Objectives: The research investigates the resilience factors that shape entrepreneurial ambition, focusing on the direct effects of entrepreneurship education, creativity, and financial resources, as well as the indirect effect of entrepreneurial self-efficacy on the relationship between these factors and entrepreneurial intention. Research Methods: This study utilizes a questionnaire survey from 312 college students in Jakarta. Structural equation modeling (SEM) was used to analyze the data. Empirical Results: The findings show that financial resources, entrepreneurial education, and creativity influence self-efficacy. The associations between creativity and entrepreneurial intention, as well as between entrepreneurship education and entrepreneurial intention, are significant for the indirect paths that use self-efficacy as a mediator. Implications: We recommend that universities, governments, and other stakeholders prioritize initiatives that offer financial assistance and focus on educational programs and support systems that enhance confidence and belief in entrepreneurial capabilities. JEL Classification: L26, I23, O10
Co-Authors Kembau, Agung Stefanus Nilam, Edric Budiman Pangaribuan, Christian Haposan