Financial Technology: An Analysis of the Financial Performance and Growth of Banking Companies

Penulis

  • Mega Barokatul Fajri Faculty of Economic and Business, Universitas Muhammadiyah Lamongan, Lamongan
  • Sofi Machmudatul Rochmah Faculty of Economic and Business, Universitas Muhammadiyah Lamongan, Lamongan
  • Guruh Marhaenis Handoko Putro Faculty of Economic and Business, Universitas Muhammadiyah Lamongan, Lamongan
  • Elliv Hidayatul Lailiyah Faculty of Economic and Business, Universitas Muhammadiyah Lamongan, Lamongan
  • Noer Rafikah Zulyanti Faculty of Economic and Business, Universitas Muhammadiyah Lamongan, Lamongan
  • Imran Syah Faculty of Economic and Business, Universitas Muhammadiyah Lamongan, Lamongan

DOI:

https://doi.org/10.30651/blc.v21i2.22690

Kata Kunci:

Financial Technology, Financial Performance, manova test, company growth, banking, Fintech; Banking; Financial Performance; Company Growth; Manova Test

Abstrak

The presence of financial technology provides opportunities for banking sector companies to develop innovative products and services. The rapid development of technology means that fintech services are considered an extension of banks. On the other hand, fintech banking, such as mobile banking and Internet banking, provides many conveniences, including serving Indonesian people who the traditional financial industry cannot serve. This research aims to test and analyze whether financial technology (independent variable) can influence company performance regarding ROA, ROE, NIM, BOPO, and company growth (dependent variable) in the banking industry. All banking companies listed on the IDX except Sharia banking are the data samples used. The testing method used is through the Between-Subjects Effect MANOVA test. This test shows that fintech positively affects ROA, ROE, and NIIM. However, the BOPO and company growth variables cannot be influenced by fintech.

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Unduhan

Diterbitkan

2024-07-08

Terbitan

Vol 21 No 2 (2024): Juli

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