Article Per Year (5 Year)
p-Index From 2020 - 2025
0.23
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This Author published in this journals
All Journal Contemporary Studies in Economic, Finance and Banking (CSEFB)
Ahmad Kamal Assarif
Unknown Affiliation
Economics, Econometrics & Finance Social Sciences

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The Effect of Qris Implementation in Digital Banking Service on Bank Probality Indonesia Ahmad Kamal Assarif; Bintoro, Nugroho Suryo
Contemporary Studies in Economic, Finance and Banking Vol. 4 No. 3 (2025)
Publisher : Fakultas Ekonomi dan Bisnis Universitas Brawijaya

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Abstract

Research objectives for determine the effect of Qris implementation on Digital Banking services on banking profitability in Indonesia, taking into account BOPO, M-Banking, and Fee Based Income as independent variables. The method used is panel data regression with secondary data obtained from bank annual reports during the 2020-2023 period and BI statistical data. This study found that the variables Qris, BOPO, M-Banking have a negative and significant influence on bank profitability. Meanwhile, the fee-based income variable has a positive but insignificant effect on bank profitability. However, when tested together, the variables Qris, BOPO, M-Banking. Fee Based Income has a positive and significant influence on bank profitability (ROA).
Co-Authors Bintoro, Nugroho Suryo