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This investigation aims to examine the impact of financial technology on the financial performance of banks listed on the Indonesia Stock Exchange between 2014 and 2023. The performance of these banks is evaluated adopting a range of indicators, such as Return on Assets (ROA), Return on Equity (ROE), Net Interest Margin (NIM), Loan to Deposit Ratio (LDR), Operating Expenses and Income, as well as the Capital Adequacy Ratio (CAR). To refine the analysis, control variables including company size, capital ratio, and inflation are also considered. The study utilizes panel data regression to investigate the link between the adoption of fintech and the financial performance of these banks.

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Impact of Financial Technology on the Financial Bank Performance of Indonesia Stock Exchange

  • 会议论文

  • 发表日期：

    2026年

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  • Dania Setia,
  • Abdul Mukti Soma

摘要

This investigation aims to examine the impact of financial technology on the financial performance of banks listed on the Indonesia Stock Exchange between 2014 and 2023. The performance of these banks is evaluated adopting a range of indicators, such as Return on Assets (ROA), Return on Equity (ROE), Net Interest Margin (NIM), Loan to Deposit Ratio (LDR), Operating Expenses and Income, as well as the Capital Adequacy Ratio (CAR). To refine the analysis, control variables including company size, capital ratio, and inflation are also considered. The study utilizes panel data regression to investigate the link between the adoption of fintech and the financial performance of these banks.