Proceedings of the 20th International Symposium on Management (INSYMA 2023)

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Can the Implementation of FinTech Improve Banking Performance? Evidence from Banking Industry in Indonesia

Authors
Jeremia Santoso1, *, Christiana Fara Dharmastuti1
1Atma Jaya Catholic University of Indonesia, Depok, Indonesia
*Corresponding author. Email: jeremia.sntoso@gmail.com
Corresponding Author
Jeremia Santoso
Available Online 30 September 2023.
DOI
10.2991/978-94-6463-244-6_6How to use a DOI?
Keywords
FinTech Implementation; Cost Efficiency Rate; Revenue Growth Rate; Banking Performance
Abstract

The growth of FinTech in Indonesia provides an opportunity for the banking industry to continue improving its banking services through digital innovation. This study focuses on analyzing the effect of FinTech implementation on the cost efficiency rate, revenue growth rate, and banking performance. Data were taken from 30 banks audited financial statements which listed on the Indonesia Stock Exchange from the 2019 to 2021 period. The results of this study indicate that ATMs influence banking efficiency and performance. Mobile banking only affects efficiency. Internet banking does not affect any variable. Mobile payments affect efficiency, increase revenue, and banking performance. The cost efficiency rate can mediate ATM and mobile payments only for ROA and directly affects ROA. The revenue growth rate is not able to be a mediating variable.

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.

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Volume Title
Proceedings of the 20th International Symposium on Management (INSYMA 2023)
Series
Advances in Economics, Business and Management Research
Publication Date
30 September 2023
ISBN
10.2991/978-94-6463-244-6_6
ISSN
2352-5428
DOI
10.2991/978-94-6463-244-6_6How to use a DOI?
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.

Cite this article

risenwbib
TY  - CONF
AU  - Jeremia Santoso
AU  - Christiana Fara Dharmastuti
PY  - 2023
DA  - 2023/09/30
TI  - Can the Implementation of FinTech Improve Banking Performance? Evidence from Banking Industry in Indonesia
BT  - Proceedings of the 20th International Symposium on Management (INSYMA 2023)
PB  - Atlantis Press
SP  - 27
EP  - 33
SN  - 2352-5428
UR  - https://doi.org/10.2991/978-94-6463-244-6_6
DO  - 10.2991/978-94-6463-244-6_6
ID  - Santoso2023
ER  -