?url_ver=Z39.88-2004&rft_id=1811031051&rft_val_fmt=info%3Aofi%2Ffmt%3Akev%3Amtx%3Adc&rft.title=PENGARUH+FINANCIAL+TECHNOLOGY+TERHADAP+KINERJA+KEUANGAN+PERBANKAN+KONVENSIONAL+YANG+TER+DAFTAR+DI+BURSA+EFEK+INDONESIA+(BEI)+TAHUN+2017-2021&rft.creator=Salma%2C+Indrianti&rft.subject=330+Ekonomi&rft.description=The+application+of+financial+technology+(fintech)+in+the+banking+industry+aims+to+enable++banks++to++support++innovation++in++the++provision++of++digital++services++to+encourage+financial+inclusion+and++public+access+to++financial+services.++Fintech+banking++services++in++this+study+were+measured++using++mobile+banking%2C++internet+banking%2C+and+SMS+banking.+Meanwhile%2C+banking+financial+performance+is+measured+using+return+on+assets+(ROA)%2C+return+on+equity+(ROE)%2C+and+net+interest+margin+(NIM).+In++this+study%2C++a+control+variable+was+used%2C+namely+the+capital+adequacy+ratio+(CAR).+However%2C+there+are+several+issues+related+to+the+use+of+fintech+services+that+have+the+potential+to+have+an+impact+on+banking+financial+performance.+This+research+uses+a+sample+of+all+conventional+banks+that+have+implemented++fintech++services+and++are+listed++on++the+Indonesia++Stock+Exchange+(IDX)+in++2017-2021.++The+sample+method++used++is+purposive+sampling++with++an+analysis+method%2C+namely+multiple+linear+regression.+Based+on+the+existing+sample+method%2C+a+sample+of+20+banks+was+obtained+so++that+the+total+sample+was+100+observations++in++a++five+-year++period.++The++results++of++multiple++linear++regression+analysis+of+ROA+show+that+mobile+banking+does+not+have+a+positive+effect+on+ROA%2C+while+internet+banking%2C+SMS+banking%2C+and+CAR+have+a+significant+positive+effect+on+ROA.+The+results+of+multiple+linear+regression++analysis+of+ROE+show+that+mobile+banking%2C+internet+banking%2C+SMS+banking%2C+and+CAR+do+not+have+a+positive+effect+on+ROE.+And+the+results+of+multiple+linear+regression+analysis+of+NIM+show+that++mobile++banking++does++not++have++a++positive++effect++on++NIM%2C++while++internet+banking%2C+SMS+banking%2C+and+CAR+have+a+significant+positive+effect+on+NIM.%0D%0A%0D%0AKeywords%3A+Financial+Technology+(fintech)%2C+Mobile+Banking%2C+Internet+Banking%2C+SMS+Banking%2C+Return+on+Asset+(ROA)%2C+Return+on+Equity+(ROE)%2C+Net+Interest+Margin+(NIM)%2C+Financial+Performance.+%0D%0A%0D%0A%0D%0APenerapan++financial+technology++(fintech)++di+industri+perbankan++bertujuan++agar+bank+++dapat+++mendukung+++inovasi+++dalam+++penyediaan+++layanan+++digital+++guna+mendorong+inklusi+keuangan+dan+akses+masyarakat+terhadap+layanan+keuangan.+Layanan+fintech+perbankan+pada+penelitian+ini+diukur+menggunakan+mobile+banking%2C+internet+banking%2C+dan+SMS+banking.+Sedangkan+kinerja+keuangan+perbankan+diukur+menggunakan+return+on+asset+(ROA)%2C+return+on+equity+(ROE)%2C+dan+net+interest+margin+(NIM).+Dalam+penelitian+ini+digunakan+variabel+kontrol+yaitu+capital+adequacy+ratio+(CAR).+Namun%2C+terdapat+beberapa+isu+terkait+penggunaan+layanan+fintech+yang+berpotensi+memiliki+dampak+pada+kinerja+keuangan+perbankan.+Penelitian+ini+menggunakan+sampel+seluruh+perbankan+konvensional+yang+telah+menerapkan+layanan+fintech+dan+terdaftar+di+Bursa+Efek+Indonesia+(BEI)+tahun+2017-2021.+Metode+sampel+yang+digunakan+adalah+purposive+sampling+dengan+metode+analisis+yaitu+regresi+linear+berganda.+Berdasarkan+metode+sampel+yang+ada%2C+didapatkan+sampel+20+perbankan+sehingga+total+sampel+sebanyak+100+observasi+pada+periode+lima+tahun.+Hasil+dari+analisis+regresi+linear+berganda+terhadap+ROA+menunjukkan+mobile+banking+tidak+berpengaruh+positif+terhadap+ROA%2C+sedangkan+internet+banking%2C+SMS+banking%2C+dan++CAR++berpengaruh++positif++signifikan++terhadap+ROA.+Hasil+analisis+regresi+linear+berganda+terhadap+ROE+menunjukkan+bahwa+mobile+banking%2C+internet+banking%2C+SMS+banking%2C+dan+CAR+tidak+berpengaruh+positif+terhadap+ROE.+Dan+hasil+analisis+regresi+linear+be+rganda+terhadap+NIM+menunjukkan+bahwa+mobile+banking++tidak++berpengaruh++positif++terhadap++NIM%2C++sedangkan++internet+banking%2C+SMS+banking%2C+dan+CAR+berpengaruh+positif+signifikan+terhadap+NIM.%0D%0A%0D%0AKata+Kunci+%3A+Financial+Technology+(fintech)%2C+Mobile+Banking%2C+Internet+Banking%2C+SMS++Banking%2C++Return++on++Asset+(ROA)%2C++Return++on++Equity+(ROE)%2C++Net+Interest+Margin+(NIM)%2C+Kinerja+Keuangan.%0D%0A&rft.publisher=FAKULTAS+EKONOMI+DAN+BISNIS&rft.date=2023-07-27&rft.type=Skripsi&rft.type=NonPeerReviewed&rft.format=text&rft.identifier=http%3A%2F%2Fdigilib.unila.ac.id%2F75894%2F1%2FABSTRAK.pdf&rft.format=text&rft.identifier=http%3A%2F%2Fdigilib.unila.ac.id%2F75894%2F2%2FSKRIPSI%2520FULL.pdf&rft.format=text&rft.identifier=http%3A%2F%2Fdigilib.unila.ac.id%2F75894%2F3%2FSKRIPSI%2520TANPA%2520PEMBAHASAN.pdf&rft.identifier=++Salma%2C+Indrianti++(2023)+PENGARUH+FINANCIAL+TECHNOLOGY+TERHADAP+KINERJA+KEUANGAN+PERBANKAN+KONVENSIONAL+YANG+TER+DAFTAR+DI+BURSA+EFEK+INDONESIA+(BEI)+TAHUN+2017-2021.++FAKULTAS+EKONOMI+DAN+BISNIS%2C+UNIVERSITAS+LAMPUNG.+++++&rft.relation=http%3A%2F%2Fdigilib.unila.ac.id%2F75894%2F