Dampak Financial Technology Terhadap Kinerja Keuangan (Studi Kasus Sub Sektor Perbankan 2019-2022)

Abstract

In the current modern era, the development of science and technology in Indonesia is no longer something foreign to Indonesian people. The emergence of financial technology (fintech) has changed the way people use financial services. In Indonesia, the banking sector has become one of the sectors most affected by fintech developments. Various fintech platforms and applications have emerged, offering various services such as digital payments, online loans, peer-to-peer investments, and more. The type of research used in this research is quantitative research. The approach used in this research is a descriptive quantitative approach. The population used in this research is data collected based on a yearly period. So the population in this study are financial reports that have been published by Bank BRI, Mandiri, BCA, BNI and BTN 4 years before using financial technology and 4 years after using financial technology, namely in 2019-2022. To test the hypothesis that has been proposed, the researcher used the Paired Sample T-Test. From the results of the tests that have been carried out, it can be concluded that in the BOPO and ROA ratios of the five banks, only BTN bank has differences before and after using Fintech. Meanwhile, the NPL ratios of the five banks did not experience any differences from before or after adopting Fintech.