Pengaruh Financial Technology (Fintech) Terhadap Profitabilitas Perbankan

Authors

  • Khoirotun Niswa Universitas Muhammadiyah Palembang, Indonesia
  • Abdul Basyith Universitas Muhammadiyah Palembang

DOI:

https://doi.org/10.47747/jbme.v7i1.3410

Keywords:

Financial Technology, ATM, Mobile Banking, Internet Banking

Abstract

Financial Technology is a combination of technology and financial systems. The aim of this research is to determine the influence of financial technology on banking profitability. Financial Technology is measured by the number of ATM users, Mobile Banking, and Internet Banking. Meanwhile, profitability is measured by Return On Asset (ROA), Return On Equity (ROE), and Net Interest Margin (NIM). The samples in this study were BRI Bank, Mandiri Bank, BNI Bank, BTN Bank, BCA Bank, CIMB Niaga Bank, Permata Bank, and OCBC NISP Bank, which were listed on the Indonesia Stock Exchange (BEI) for the 2020-2022 Period. The sampling method used was purposive sampling, with multiple regression analysis. The analysis of ROA indicates that ATM has a significant effect on ROA. Mobile Banking has a significant positive effect on ROA, and Internet Banking has a significant effect on ROA. The results of the ROE analysis indicate that ATM has a significant effect on ROE. Mobile Banking has a significant effect on ROE, and Internet Banking has a significant positive effect on ROE. The analysis of NIM indicates that ATM has a significant effect on NIM. Mobile Banking has a significant positive effect on NIM, and Internet Banking has a significant effect on NIM.

References

Febrianto, W. (2022). Analisis Dampak Financial Technology (Fintech) Terhadap Profitabilitas Perbankan Syariah. Universitas Islam Negeri Fatmawati Sukarno Bengkulu.

Ferdinandus, S. J., Bugis, M. S. G., & Pattihuru, J. R. (2022). Analisis Pengaruh Financial Technology Terhadap Profitabilitas Perusahaan Perbankan BUMN Di Indonesia. Jurnal Ekonomi dan Bisnis. ( Vol, 11 Issue, 1). Hal.1039-1045

Indrianti, S., Gamayuni, R. R., & Susilowati, R. Y. N. (2020). Pengaruh Financial Technology Terhadap Kinerja Keuangan Perbankan Konvensional Yang Terdaftar Di Bursa Efek Indonesia (BEI) Tahun 2017-2021. Jurnal : ULTIMA Accounting. Vol. 14, No. 2. Hal 349-373

Ma'ruf, M. (2021). Pengaruh Fintech Terhadap Kinerja Keuangan Perbankan Syariah. Yudhistira Journal : Indonesia Journal of Finance and Strategy Inside. (Vol. 1 Issue 1). Hal.42-61

Ratnawati, T. D. W. (2020). Pengaruh Financial Technology Terhadap Profitabilitas Perbankan Konvensional. Universitas Bhayangkara Surabaya

Sudaryanti, D. S., Sahroni, N., & Kurniawati, A. (2018). Analisa Pengaruh Mobile Banking Terhadap Kinerja Perusahaan Sektor Perbankan Yang Tercatat Di Bursa Efek Indonesia. Jurnal Ekonomi Manajemen, 4, 96–107. http://jurnal.unsil.ac.id/index.php/jem

Supriyadi., Darmawan, J., & Bandarsyah. (2023). Pengaruh Financial Technology (Fintech) Terhadap Profitabilitas Perbankan Di Indonesia. Hal. 56-71. https://apjii.or.id

Tanjung, M. F., Aulia, D. (2022). Dampak Financial Technology (Fintech) Dan Intellectual Capital Terhadap Kinerja Keuangan Perbankan Komersial di Indonesia. SEIKO : Journal of Management & Business. 4(3). 413-426

Wijaya, I. U. (2022). The Effect of Fintech on the Financial Performance of Sharia Banking (Vol. 2, Issue 2). https://pusdig.web.id/index.php/ekonomi/

Downloads

Published

2026-01-31

How to Cite

Niswa, K., & Basyith, A. (2026). Pengaruh Financial Technology (Fintech) Terhadap Profitabilitas Perbankan. Jurnal Bisnis, Manajemen, Dan Ekonomi, 7(1), 70 - 84. https://doi.org/10.47747/jbme.v7i1.3410

Issue

Vol. 7 No. 1 (2026): Jurnal Bisnis, Manajemen, dan Ekonomi

Section

Articles

License

Copyright (c) 2026 Khoirotun Niswa, Abdul Basyith

Creative Commons License

This work is licensed under a Creative Commons Attribution 4.0 International License.

Copyright for this article is retained by the author(s), with first publication rights granted to the journal.

This is an open-access article distributed under the terms and conditions of the Creative Commons Attribution license (http://creativecommons.org/licenses/by/4.0/)