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All Journal Jurnal Dinamika Ekonomi Syariah Jurnal Media Informatika
Siti Jahidah, Nurul
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Religion Computer Science & IT Economics, Econometrics & Finance

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DIGITAL BANKING: CATALYST OR CHALLENGE? ANALYZING PROFITABILITY AMIDST THE COVID-19 PANDEMIC Adzimatinur, Fauziyah; Siti Jahidah, Nurul; Rois, Tatang
Jurnal Dinamika Ekonomi Syariah Vol 11 No 2 (2024): Jurnal Dinamika Ekonomi Syariah
Publisher : Program Studi Ekonomi Syariah, Institut Agama Islam Pangeran Diponegoro Nganjuk

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53429/jdes.v11i2.1332

Abstract

This study investigates the impact of digital banking on banking sector’s profitability during the COVID-19 pandemic. As the pandemic prompted a noticeable decline in banking profitability, the industry responded by hastening the integration of digitalization strategies to align with evolving customer preferences. Focusing on the specific impact of banking digitalization within the pandemic context, the study employs panel data spanning 2017 to 2022 from six conventional commercial banks. The analitycal framework incorporates variables encompassing mobile and internet banking transactions, bank size, economic growth, and a COVID-19-related dummy variable. The study’s banking yielding a positive impact and internet banking showing a negative effect. However, bank size and economic growth do not exhibit statistically significant relationships with profitability. The COVID-19 pandemic negatively affects banking profitability. Even though digital banking initiatives like mobile banking can enhance profitability, significant challenges related to other digital channels such as internet banking remain. The pandemic complicates these dynamics, adaptive and careful approach is highly needed to digital transformation in the banking sector.
Teknologi Informasi dan Komunikasi: Solusi untuk Ketimpangan Pendapatan di Indonesia? Siti Jahidah, Nurul; Adzimatinur, Fauziyah
Jurnal Media Informatika Vol. 6 No. 3 (2025): Jurnal Media Informatika
Publisher : Lembaga Dongan Dosen

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55338/jumin.v6i3.5681

Abstract

− This study aims to analyze the effect of information and communication technology on income inequality. Information and communication technology discussed in this study are ICT infrastructure, ICT usage, and ICT skills. The research method used is quantitative descriptive research with the dependent variable being the Gini index and the independent variables being the ICT-Development Index sub-indices including ICT infrastructure, ICT usage, and ICT expertise. The research data source is from the Central Bureau of Statistics publication. Panel data regression analysis was conducted in this study with cross section data of 33 provinces in Indonesia from 2018 to 2023. The results show that ICT usage has a significant negative effect on income inequality. While the other two variables, ICT infrastructure and ICT skills do not have a significant effect on income inequality.
DIGITAL BANKING: CATALYST OR CHALLENGE? ANALYZING PROFITABILITY AMIDST THE COVID-19 PANDEMIC Adzimatinur, Fauziyah; Siti Jahidah, Nurul; Rois, Tatang
Jurnal Dinamika Ekonomi Syariah Vol. 11 No. 2 (2024): Jurnal Dinamika Ekonomi Syariah
Publisher : Program Studi Ekonomi Syariah, Universitas Pangeran Diponegoro Nganjuk

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53429/jdes.v11i2.1332

Abstract

This study investigates the impact of digital banking on banking sector’s profitability during the COVID-19 pandemic. As the pandemic prompted a noticeable decline in banking profitability, the industry responded by hastening the integration of digitalization strategies to align with evolving customer preferences. Focusing on the specific impact of banking digitalization within the pandemic context, the study employs panel data spanning 2017 to 2022 from six conventional commercial banks. The analitycal framework incorporates variables encompassing mobile and internet banking transactions, bank size, economic growth, and a COVID-19-related dummy variable. The study’s banking yielding a positive impact and internet banking showing a negative effect. However, bank size and economic growth do not exhibit statistically significant relationships with profitability. The COVID-19 pandemic negatively affects banking profitability. Even though digital banking initiatives like mobile banking can enhance profitability, significant challenges related to other digital channels such as internet banking remain. The pandemic complicates these dynamics, adaptive and careful approach is highly needed to digital transformation in the banking sector.
Co-Authors Adzimatinur, Fauziyah Rois, Tatang