<![CDATA[This study aims to determine the influence of Fintech Paylater, Credit Risk and Income Structure on Return On Equity (ROE) in Digital Banks listed on the Indonesia Stock Exchange (IDX) for the 2021-2025 period. The research method used in this study is causal associative with a type of quantitative approach, with a Purposive Sampling technique with 30 samples of research data. The type of data used is secondary data obtained from the annual report of Digital Banks listed on the Indonesia Stock Exchange (IDX) for the 2021-2025 period which can be accessed through the official website of each bank. This research was analyzed using SPSS Software version 26. The results of the t-test (partial) of this study stated that Fintech Paylater had a negative and significant influence on Return On Equity (ROE) with a ttable value of > or -2.295 > -2.055. Credit Risk has a negative and significant influence on Return On Equity (ROE) with a calculated value of > ttable or -2.076 > -2.055. Opinion Structure has a negative and significant influence on Return On Equity (ROE) with a tcal value of > ttable or -3.177 > -2.055. And the results of the F test (simultaneous) that Fintech Paylater, Credit Risk and Income Structure simultaneously affect the Return On Equity (ROE) with a Fcal value of > Ftabel or 6.968 > 2.98.]]>
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