Does Cybertech Spending, Income Diversification, and Operational Efficiency Matter for Islamic Bank Stability?

Dika Pratama Putra (Politeknik Negeri Bandung)
Setiawan Setiawan (Politeknik Negeri Bandung)
Hasbi Assidiki Mauluddi (Politeknik Negeri Bandung)
Muhammad Imaduddin Putranda (Politeknik Negeri Bandung)

Journal of Applied Islamic Economics and Finance
Vol. 6 No. 2 (2026): Journal of Applied Islamic Economics and Finance (February 2026)

Banks function to allocate funds from surplus parties to deficit parties. It must maintain its stability to avoid financial crisis and economic recession. This study examines spending on cybertech security, income diversification, and operational efficiency on bank stability. This research is quantitative research. The population in this study is Islamic commercial banks in Indonesia and issued annual reports for 2014 to 2024. There are 16 research samples. The results of this study indicate that the Cybertech Security variable and income diversification have a significant positive effect on the financial stability of Islamic banking in Indonesia. While the BOPO ratio as proxy for operational efficiency has a significant negative effect on the financial stability of Islamic banking in Indonesia.