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 (CSEFB)
Vol. 4 No. 3 (2025)

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).