<![CDATA[This study aims to analyze the effectiveness of digital banking on the financial performance of PT Bank Mandiri (Persero) Tbk during the period 2019 to 2023. Digital banking as one of the technological innovations in the banking sector is believed to be able to increase efficiency, expand service coverage, and strengthen bank profitability. To measure the effectiveness of digital banking, this study uses financial ratio indicators, namely Return on Equity (ROE), Return on Assets (ROA), Net Interest Margin (NIM), and Operating Costs to Operating Income (BOPO). The method used is quantitative descriptive with a case study approach. The results of the analysis show that there is a significant increase in ROE and ROA, as well as the stability of NIM in the ideal range which indicates the efficiency of interest income management. Meanwhile, the BOPO ratio shows a downward trend, indicating an increase in the company's operational efficiency. The increase in financial performance is in line with the implementation and development of digital banking services such as Livin 'by Mandiri and Kopra. Thus, it can be concluded that digital banking has a positive contribution to the financial performance of PT Bank Mandiri (Persero) Tbk, especially in increasing the company's efficiency and profitability. Abstrak Penelitian ini bertujuan untuk menganalisis efektivitas digital banking terhadap kinerja keuangan PT Bank Mandiri (Persero) Tbk selama periode 2019 hingga 2023. Digital banking sebagai salah satu inovasi teknologi di sektor perbankan diyakini mampu meningkatkan efisiensi, memperluas jangkauan layanan, serta memperkuat profitabilitas bank. Untuk mengukur efektivitas digital banking, penelitian ini menggunakan indikator rasio keuangan yaitu Return on Equity (ROE), Return on Assets (ROA), Net Interest Margin (NIM), dan Biaya Operasional terhadap Pendapatan Operasional (BOPO). Metode yang digunakan adalah deskriptif kuantitatif dengan pendekatan studi kasus. Hasil analisis menunjukkan bahwa terjadi peningkatan signifikan pada ROE dan ROA, serta stabilnya NIM dalam kisaran ideal yang menunjukkan efisiensi pengelolaan pendapatan bunga. Sementara itu, rasio BOPO menunjukkan tren penurunan, yang mengindikasikan peningkatan efisiensi operasional perusahaan. Peningkatan kinerja keuangan tersebut sejalan dengan implementasi dan pengembangan layanan digital banking seperti Livin’ by Mandiri dan Kopra. Dengan demikian, dapat disimpulkan bahwa digital banking memberikan kontribusi positif terhadap kinerja keuangan PT Bank Mandiri (Persero) Tbk, terutama dalam meningkatkan efisiensi dan profitabilitas perusahaan.]]>
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