<![CDATA[Abstract : This study focuses on how the stabilities of conventionals bank listed on the Indonesia Stocks Exchange (IDX) is impacted by digital payments. This study will also analyze how banks asset qualities and liquidity works as a control factors that may influence the relationship between digital payments and financial stability. Purposive sampling was used to generate a sample of 27 traditional banks. Instrument tests, descriptive analysis, t-tests, F-tests, classical assumption tests, and hypothesis testing with multiple regression analysis were all used to evaluate the data for this study. Based on the study, the stability of conventional banks in Indonesia is positively impacted by Z-Score, return on equity, and return on assets, with Non-Performing Loans and Loan to Deposit Ratio serving as control factors.Abstrak : Fokus penelitian ini adalah bagaimana pembayaran digital memengaruhi stabilitas bank konvensional yang terdaftar di Bursa Efek Indonesia (BEI). Penelitian ini juga akan membahas bagaimana kualitas aset dan likuiditas perbankan berfungsi sebagai faktor kontrol yang dapat memengaruhi hubungan antara pembayaran digital dan stabilitas keuangan. Kumpulan 27 bank konvensional dihasilkan dari pengambilan sampel purposive. Untuk penelitian ini, data dianalisis melalui uji instrumen, analisis deskriptif, uji asumsi klasik, uji t, uji F, dan uji hipotesis dengan analisis regresi berganda. Dengan Non-Performing Loans dan Loan to Deposit Ratio sebagai variabel kontrol, penelitian menunjukkan bahwa ZScore, return on assets, dan return on equity menguntungkan stabilitas bank konvensional di Indonesia.]]>
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