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All Journal Contemporary Studies in Economic, Finance and Banking (CSEFB)
Al Hafidtz, Naufal Yosda
Unknown Affiliation
Economics, Econometrics & Finance Social Sciences

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The Effects of Fintech Companies on the Performance of Banks in Indonesia Al Hafidtz, Naufal Yosda; Satria, Dias
Contemporary Studies in Economic, Finance and Banking Vol. 4 No. 4 (2025)
Publisher : Fakultas Ekonomi dan Bisnis Universitas Brawijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21776/csefb.2025.04.4.13

Abstract

In the development of information and communication technology in the financial sector, FinTech brings innovation in financial services based on digital technology. This study aims to analyze the impact of FinTech companies, bank-specific variables and macroeconomics on bank performance in Indonesia. This study covers banks listed on LQ45 during the period 2019 to 2023 using dynamic and static panel regression model using the Generalized Method of Moments (GMM) method. The results show that Fintech has a positive effect on ROA, ROE and NPL as bank indicators. INF has a positive effect on bank performance, while GDP has a negative effect on bank performance. CTI, DG, IIS and FC have a positive effect on bank performance. However, SIZE, CAP and LLP have a negative effect on bank performance. The results of this study can provide further insight into the relationship between FinTech and bank performance, as well as a consideration for the cooperation or adoption of FinTech in banking.
Co-Authors Dias Satria