STUDI KOMPARASI PADA ADOPSI FINANCIAL TECHNOLOGY TERHADAP PROFITABILITAS PERBANKAN DI INDONESIA

Abstract

The purpose of this study was to examine the long-term and short-term effects of adopting financial technology on banking profitability. This study uses the Error Correction Term analysis method to see the effect of the independent variables on the dependent variable both in the short term and in the long term. the independent variables in this study are mobile banking, internet banking, and phone banking and the dependent variable is profitability proxied by the Return on Assets (ROA) ratio. This study uses a quantitative research approach. The data source is from the official website of the Indonesia Stock Exchange, namely www.idx.co.id in 2013 - 2022. The total population 47 companies. Total sample 34 companies and sampling method is purposive sampling. Purposive sampling is sample with certain criteria. the results of hypothesis testing on mobile banking and internet banking variables that in the long term and short term mobile banking and internet banking have a positive effect on profitability. On the phone banking variable, namely in the long term and short term, phone banking adoption has no effect on banking profitability.