Pengaruh Financial Technology (Fintech) Terhadap Profitabilitas Perbankan di Indonesia

Abstract

This study aims to empirically prove the effect of fintech on financial performance (ROA, ROE, NIM, and BOPO) in banking sector companies. The sample in this research is 38 companies in the banking sector with a research period from 2020 to 2022. This type of research uses quantitative research with secondary data sources. The sampling method in this study was purposive sampling, namely a selection method based on certain criteria with a final sample of 114. The data analysis method used a simple linear regression test with a 95% confidence level, with the R² test, F test, and t test as a hypothesis test. Based on the test results in this study, it shows that Financial Technology has a significant effect on Financial Performance.

Keywords: Fintech; Profitabilitas; ROA; ROE; NIM; BOPO