Article Per Year (5 Year)
p-Index From 2021 - 2026
0.23
P-Index
This Author published in this journals
All Journal TEKNOBIS : Jurnal Teknologi, Bisnis dan Pendidikan
Lestari, Nayla Ayudhia
Unknown Affiliation
Economics, Econometrics & Finance Education Social Sciences

Published : 1 Documents Claim Missing Document
Claim Missing Document
Check
Articles

Found 1 Documents
Search

 1 
Digital Transformation In Business Communication Rahman, Ashyfa Aulia Albina; Lestari, Nayla Ayudhia; Wardhana, Mada Aditia
TEKNOBIS : Jurnal Teknologi, Bisnis dan Pendidikan Vol. 4 No. 1 (2026): TEKNOBIS : Jurnal Teknologi, Bisnis dan Pendidikan
Publisher : Shofanah Media Berkah

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

This study analyzes the impact of digital transformation on the financial performance of joint-stock commercial banks in Vietnam during the 2015–2021 period. Using text analysis of annual reports and a panel data approach with the System Generalized Method of Moments (System GMM), the study measures the level of digitalization through the frequency of technology-related keywords. The results indicate that the implementation of digital transformation has a negative effect on Return on Assets (ROA) and Return on Equity (ROE) in the short term, confirming the presence of a “profitability paradox” driven by high initial investment costs and infrastructure adaptation. Bank-specific factors such as the Non-Performing Loan (NPL) ratio weaken the positive impact of digitalization, while loan growth and Gross Domestic Product (GDP) growth act as positive moderating variables. The COVID-19 pandemic created a paradox by increasing profits through remote work efficiency, although digital cost pressures remained significant. The implications of this study highlight the importance of a structured digital roadmap, improvements in information technology infrastructure, and macroeconomic and credit risk management to support sustainable digital transformation.
Co-Authors Mada Aditia Wardhana Rahman, Ashyfa Aulia Albina