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Pengaruh Jumlah Perusahaan Fintech dan Adopsi Teknologi terhadap Kinerja Perbankan di Indonesia Periode 2017 – 2021
This study aims to analyze the effect of technological development through two perspectives, which are outside fintech and bank fintech, on banking performance in Indonesia for the period 2017 to 2021. Outside fintech is described by the number of fintech firms, whereas bank fintech is described by technology adoption proxied by internet penetration rate, mobile cellular subscriptions, fixed broadband subscriptions, and Automated Teller Machines (ATM) penetration rate. This study uses a sample of 47 banks listed on the Indonesia Stock Exchange. The method being used is dynamic panel regression Generalized Method of Moments two step system. This study finds that the number of fintech firms negatively and significantly affects and predicts bank performance. This effect is different for small banks and large banks, also for old banks and new banks. However, it is not different for state-owned banks and private banks. This study also finds that technology adoption proxied by mobile cellular subscriptions has a significant positive effect on bank performance, while internet penetration rate, fixed broadband subscriptions, and ATM penetration rate have a significant negative effect. The robustness test was carried out by controlling for the impact of the financial crisis caused by the COVID-19 pandemic and using different estimation methods. The results show the consistency that fintech has a significant negative effect on banking performance..Ada Tabel
Ketersediaan
| Call Number | Location | Available |
|---|---|---|
| 13518 | PSB lt.2 - Karya Akhir | 1 |
| Penerbit | Depok: Program Studi Manajemen Fakultas Ekonomi dan Bisnis UI 2022 |
|---|---|
| Edisi | - |
| Subjek | Financial technology Bank performance Technology adoption |
| ISBN/ISSN | - |
| Klasifikasi | - |
| Deskripsi Fisik | xv, 125 p. ; diagr. ; 30 cm |
| Info Detail Spesifik | - |
| Other Version/Related | Tidak tersedia versi lain |
| Lampiran Berkas | Tidak Ada Data |