The effect of digital banking trends on the growth of banking fee-based income
Article Sidebar
Main Article Content
Abstract
The development of information technology which is very significant in the current 4.0 revolution era is increasingly directing the creation of changes in consumption patterns in people's lives that are moving towards digital, thus encouraging the banking industry to accelerate the transformation into digital banks that are packaged and developed with the aim of providing fast and fully accessible services independently by customers while still prioritizing the principle of security over the confidentiality of personal data optimized through digital technology systems by issuing digital banking services. This study aims to determine the effect of digital banking trends on the growth of banking fee-based income in Indonesia through a quantitative data analysis process obtained through secondary data documentation techniques through the website of each bank which is then processed using the help of the Eviews 10 program through panel data regression tests. The population in this study were all Persero Banks in Indonesia for the period 2018 to 2022, totaling 5 banks. The sample selection was carried out using purposive sampling technique and it was found that only 4 banks met the criteria, so the number of observations in this study was 20 observations. Based on data processing, the research results state that both mobile banking services, payment gateway services, and QRIS services have a significant positive effect on the growth of fee-based income of Bank Persero in Indonesia for the period 2018 to 2022
Downloads
Article Details
Arisanti, O. R., & Prihatiningsih, P. (2019). Pengaruh Transaksi Electronic Banking Terhadap Fee Based Income Pada Pt Bank Cimb Niaga, Tbk Periode 2014 – 2017. Keunis, 7(1), 77–90. Https://Doi.Org/10.32497/Keunis.V7i1.1534
Asiska, N., & Dian Pratiwi, P. (2022). Pengaruh Fee Based Income Dan Transaksi E-Banking Terhadap Perubahan Laba Bank Bumn. Jurnal Fokus Manajemen Bisnis, 12(1), 43–53. Https://Doi.Org/10.12928/Fokus.V12i1.5702
Ferli, O. (2022). Digital Products Increase Fee-Based Income Banking In Indonesia. Jurnal Ilmu Manajemen Dan Ekonomika, 15(1).
Gustianawati Sutarja, D., Dwi Lestari, E., & Dewi, H. (2023). (Printed) An Empirical Study Of Factors Influencing Digital Banking Intention Use In Indonesia An Empirical Study Of Factors Influencing Digital Banking Intention Use In Indonesia. International Journal Of Entrepreneurship And Business Development, 06.
Hidayat, Y., Hafitri, G., & Kunci, K. (2021). Pengaruh Internet Banking Dan Mobile Banking Terhadap Kinerja Keuangan Bank. In Jurnal Pendidikan Manajemen Bisnis (Vol. 21, Issue 1). Www.Ojk.Go.Id
Idawati, W., & Syafputri, S. A. (2022). The Effect Of Digital Financial, Credit Risk, Overhead Cost, And Non-Interest Income On Bank Stability. In Inquisitive (Vol. 3, Issue 1). Http://Journal.Univpancasila.Ac.Id/Index.Php/Inquisitive/
Indri Sanabila Saffana, Azib, & Nadia Meirani. (2023). Pengaruh Transaksi Electronic Banking Dan Fee Based Income Terhadap Profitabilitas Perbankan. Bandung Conference Series: Business And Management, 3(1). Https://Doi.Org/10.29313/Bcsbm.V3i1.6855
Kando Surahmi, T. I. (2022). The Impact Of Fintech Payment On Bank Fee-Based Income. Jurnal Ilmu Ekonomi, 11(2), 425–436.
Khotijah, S., & Sugiyono, A. (2021). Pengaruh Fee Based Income Dan Interest Income Terhadap Pendapatan Perusahaan (Studi Empiris Bank Bumn Indonesia Periode. Jurnal Pemikiran & Penelitian Ekonomi, 09(01).
Kornelis, Y. (2021). Digital Banking Consumer Protection: Developments & Challenges. Https://Ejournal.Undiksha.Ac.Id/Index.Php/Jkh
Kuartal Ii 2023, Nilai Transaksi Digital Banking Tembus Rp13 Ribu Triliun. (2023). Https://Motionbank.Id/Kuartal-Ii-2023-Nilai-Transaksi-Digital-Banking-Tembus-Rp13-Ribu-Triliun/.
Magaya, W. (2020). The Impact Of Digital Banking Services On Performance Of Commercial Banks. Journal Of Management Information And Decision Sciences, 23(1s).
Nuraini, M., Husni, T., & Adrianto, F. (2022). Pengaruh Inovasi Layanan Electronic Banking, Fee Based Income Dan Efektivitas Pengendalian Internal Terhadap Nilai Perusahaan Perbankan Yang Terdaftar Di Bursa Efek Indonesia. J-Mas (Jurnal Manajemen Dan Sains), 7(2), 787. Https://Doi.Org/10.33087/Jmas.V7i2.650
Pembangunan, T.?:, Berkelanjutan, E., Yudhanto, W., Sijabat, Y. P., Giovanni, A., Program, S., Manajemen, F., Ekonomi, U., & Tidar, I. (2022). Inovasi Perbankan Digital Dan Kinerja Perbankan Di Indonesia (Vol. 19). Http://Jurnal.Untidar.Ac.Id
Penerapan, J., Informasi, T., Komunikasi, D., Hernandez, A., & David, F. (N.D.). It-Explore Pengaruh Mobile Banking Terhadap Kepuasan Nasabah Bank Dalam Transaksi Sehari-Hari.
Yaqinah, N. (2022). Pengaruh Fee Based Income, Spread Bagi Hasil Dan Financing To Deposit Ratio Terhadap Profitabilitas. Jurnal Ekonomi Syariah, 1(2).
Redaksi Ocbc Nisp. (2023). Payment Gateway: Pengertian, Manfaat, Dan Cara Kerjanya. Https://Www.Ocbcnisp.Com/Id/Article/2021/07/15/Payment-Gateway.
Ringkasan Pojk 11 - 03 - 2022. (N.D.).
Sain, F., & Hayat, A. (N.D.). The Influence Of Digital Banking Services On Rentability And Risk Profile Of Banks With The Covid-19 Pandemic And Capital As A Moderating Variable. In Jurnal Office: Jurnal Pemikiran Ilmiah Dan Pendidikan Administrasi Perkantoran (Vol. 9, Issue 1). Http://Ojs.Unm.Ac.Id/Jo
Setiyono, T. A., Hidayatullah, S. K., Bank, S., & Jateng, B. (2021). Analisis Tren Pertembuhan Fee Based Income (Fbi) Dan Interst Based Income (Ibi) Di Masa Pandemi Covid-19. 20(2). Https://Doi.Org/10.32639/Fokusbisnis.V19i2.852
Sicillia, M., & Yazid, A. (N.D.). Analisis Dampak Digital Banking Dan Kualitas Pelayanan Terhadap Kepuasan Nasabah Pada Sebuah Bank Swasta. Http://Www.Openjournal.Unpam.Ac.Id/Index.Php/Jpk
Simamora, S. C., & Waspada, I. (2023). Peran Fee-Based Income Sebagai Mediator Antara Layanan Digital Perbankan Dengan Kinerja Keuangan Di Bank Swasta Yang Terdaftar Di Bei. Journal Of Management And Business Review, 20(2), 170–189. Https://Doi.Org/10.34149/Jmbr.V20i2.434
Suardana, P. A., & Kustina, K. T. (2017). Pengaruh Fee Based Income Dan Transaksi E-Banking Terhadap Perubahan Laba Pada Pt. Bank Pembangunan Daerah Bali. Jurnal Ilmiah Akuntansi Dan Bisnis, 2.
Sugiyarti, L., & Hafiza Fatiha, V. (2023). Faktor Yang Mempengaruhi Fee-Based Income Pada Kelompok Bank Berdasarkan Modal Inti (Kbmi) 4. In Maret 2023 (Vol. 21, Issue 1). Http://Jurnalnasional.Ump.Ac.Id/Index.Php/Kompartemen/
Syahputra, R., & Suparno, S. (2022). Pengaruh Penggunaan Internet Banking Dan Mobile Banking Terhadap Kinerja Keuangan Perbankan (Studi Pada Perbankan Yang Terdaftar Di Bursa Efek Indonesia 2016-2020). Jurnal Ilmiah Mahasiswa Ekonomi Akuntansi, 7(3), 379–388. Https://Doi.Org/10.24815/Jimeka.V7i3.21114
Wijayanti, R. P., Salma, U., Azizah, A., Daulay, Y., & Nugroho, A. W. (2021). Ijeba The Effect Of Digital Banking Innovation On The Perfromance Of Conventional Commercial Banks In Indonesia (Vol. 2, Issue 2). Http://Ijeba.Makarioz.Org/
Yaqinah Inayatil Nuriyatul. (2022). Pengaruh Fee Based Income, Spread Bagi Hasil Dan Financing To Deposit Ratio Terhadap Profitabilitas. Jurnal Ekonomi Syariah, I(2).
This work is licensed under a Creative Commons Attribution-NonCommercial 4.0 International License.