The Influence Of Financial Technology (Fintech) Using Dig2 And Gdp Variables On Bank Efficiency In Indonesia

DOI

10.2991/978-2-38476-299-6_4How to use a DOI?

Keywords

Banking; Efficiency; DIG3; GDP

Abstract

The number of electronic money and FINTECH institutions is increasing rapidly, but this opens up opportunities for illegal FINTECH institutions. Not only that, there is the risk of data fraud and data use violations (breach), To measure the health of FINTECH, DIG2 variable shows the ratio of IT costs to total operating costs generated from secondary data. and GDP is an important indicator for measuring economic health. country. The sample in the research was selected based on core capital, there were 4 commercial bank companies from each book bank 1, 2, 3, and 4 with a total of 8 commercial bank companies. This research methodology uses intermediation efficiency with data processing data envelopment analysis (DEA) from the data. The efficiency value is obtained with the input, aka total three-party funds, while the result is operating profit without interest, and credit provided. From these results, the Y variable is used as an influence, and the DIG2 and GDP variables are X and then the influence is tested with data. panel regression. As for the results of the results of bank intermediation efficiency levels, there are efficient values in book 3 banks, such as OCBC NISP, Tbk, BTPN, Tbk, and Permata Bank., while for book 2 and book 4 banks the values can be said to be efficient, in the relationship regression results between DIG2 as digital technology financing itself has positive results, while for the GDP value coefficient it has negative results or no increasing effect on bank efficiency, while simultaneously for the DIG2 variables digital technology costs and GDP have positive coefficient results.

Copyright

© 2024 The Author(s)

Open Access

Open Access This chapter is licensed under the terms of the Creative Commons Attribution-NonCommercial 4.0 International License (http://creativecommons.org/licenses/by-nc/4.0/), which permits any noncommercial use, sharing, adaptation, distribution and reproduction in any medium or format, as long as you give appropriate credit to the original author(s) and the source, provide a link to the Creative Commons license and indicate if changes were made.

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TY  - CONF
AU  - Renea Shinta Aminda
AU  - Raden Muhammad Jiddan Aziz
PY  - 2024
DA  - 2024/11/05
TI  - The Influence Of Financial Technology (Fintech) Using Dig2 And Gdp Variables On Bank Efficiency In Indonesia
BT  - Proceedings of the 2nd Ibn Khaldun International Conference on Applied and Social Sciences (IICASS 2024)
PB  - Atlantis Press
SP  - 26
EP  - 41
SN  - 2352-5398
UR  - https://doi.org/10.2991/978-2-38476-299-6_4
DO  - 10.2991/978-2-38476-299-6_4
ID  - Aminda2024
ER  -