Comparative Analysis of Banking Financial Performance Before and After Implementation of Financial Technology (FinTech)

Case Study on BUMN Banking Period 2012–2021

DOI

10.2991/978-94-6463-204-0_28How to use a DOI?

Keywords

Financial Technology; Fintech; LDR; NPL; BOPO; ROA; BUMN Banking

Abstract

The aim to be achieved by holding this research is to determine the comparison of financial performance after the implementation of Fintech in BUMN banking for the period 2012–2021. The data used in this research is secondary data. The sampling technique used was the purposive sampling method. The analysis of this study used the normality test and the average comparative test. The variables used to measure financial performance in this study are LDR, NPL, ROA, and BOPO. In the comparative test before and after the implementation of fintech for Bank BRI the variables of NPL, ROA, and BOPO showed the results of sig value < 0.05 so there was a significant difference, but in the variable of LDR the sig value > 0.05 so there was no significant difference. For Bank BNI, the variable of ROA show sig values < 0.05 so there was a significant difference, but the variables of LDR, NPL, and BOPO shows a sig value > 0.05 so there was no significant difference. For Bank Mandiri, all variables show a sig value > 0.05 so there was no significant difference. For Bank BTN, the variables of ROA and BOPO show a sig value < 0.05 so there was a significant difference, while the variables of LDR and NPL show a sig value > 0.05 so there was no significant difference. This study reaffirms the importance of applying Fintech. BUMN banking is expected to maximize the use of fintech services in transaction activities because fintech can improve the image of banking names with ease and sophistication. That way the banking financial performance will run smoothly, to increase profitability.

Copyright

© 2024 The Author(s)

Open Access

Open Access This chapter is licensed under the terms of the Creative Commons Attribution-NonCommercial 4.0 International License (http://creativecommons.org/licenses/by-nc/4.0/), which permits any noncommercial use, sharing, adaptation, distribution and reproduction in any medium or format, as long as you give appropriate credit to the original author(s) and the source, provide a link to the Creative Commons license and indicate if changes were made.

Download article (PDF)

TY  - CONF
AU  - Rachma Tri Fatmawati
AU  - Wuryaningsih Dwi Lestari
PY  - 2023
DA  - 2023/10/04
TI  - Comparative Analysis of Banking Financial Performance Before and After Implementation of Financial Technology (FinTech)
BT  - Proceedings of the International Conference on Economics and Business Studies (ICOEBS-22-2)
PB  - Atlantis Press
SP  - 317
EP  - 337
SN  - 2352-5428
UR  - https://doi.org/10.2991/978-94-6463-204-0_28
DO  - 10.2991/978-94-6463-204-0_28
ID  - Fatmawati2023
ER  -