Abstract. Technological developments in the world of banking impact the convenience of transactions for customers. Mainly when the Covid-19 pandemic occurred, which resulted in limiting activities in the community to reduce the chain of transmission. This is in line with the people's choice to conduct remote transactions during a pandemic. In addition, the bank will receive a fee based on the results of services provided to customers and also as a source of income other than interest income. This study aims to determine the growth in the number of e-banking transactions and fee-based income and the effect of the number of e-banking transactions and fee-based income on return on assets (ROA) partially or simultaneously. This study uses data from the annual reports of commercial bank companies listed on the Indonesia Stock Exchange for the 2017-2021 period. A sampling of this research object used a purposive sampling technique, so that 8 banks fit the research criteria. The data analysis technique used in this study is descriptive statistics, panel data regression and hypothesis testing using the Eviews 12 application. The results show that partially, the number of e-banking transactions and fee-based income does not affect Return on Assets (ROA). Meanwhile, simultaneously, the number of e-banking transactions and fee-based income affects Return on Assets (ROA). Abstrak. Perkembangan teknologi di dunia perbankan berdampak pada kemudahan dalam bertransaksi bagi nasabah. Apalagi saat terjadi pandemi covid-19 yang mengakibatkan pembatasan kegiatan pada masyarakat untuk mengurangi rantai penularan. Hal ini sejalan dengan pilihan masyarakat yang melakukan transaksi jarak jauh saat pandemi. Selain itu, bagi bank akan mendapatkan fee based dari hasil jasa layanan yang diberikan kepada nasabah dan juga sebagai sumber pendapatan selain pendapatan bunga. Penelitian ini bertujuan untuk mengetahui pertumbuhan jumlah transaksi e-banking dan fee based income serta mengetahui pengaruh jumlah transaksi e-banking dan fee based income terhadap return on asset (ROA) secara parsial maupun simultan. Pada penelitian ini menggunakan data dari laporan tahunan perusahaan bank umum yang terdaftar di Bursa Efek Indonesia periode 2017-2021. Pengambilan sampel objek penelitian ini meggunakan teknik purposive sampling, sehingga terdapat 8 bank yang sesuai kriteria penelitian. Teknik analisis data yang digunakan dalam penelitian ini adalah statistik deskriptif, regresi data panel dan uji hipotesis menggunakan aplikasi Eviews 12. Hasil penelitian menunjukan bahwa secara parsial, jumlah transaksi e-banking dan fee based income tidak berpengaruh terhadap Return on Asset (ROA). Sedangkan secara simultan, jumlah transaksi e-banking dan fee based income berpengaruh terhadap Return on Asset (ROA).
scite is a Brooklyn-based organization that helps researchers better discover and understand research articles through Smart Citations–citations that display the context of the citation and describe whether the article provides supporting or contrasting evidence. scite is used by students and researchers from around the world and is funded in part by the National Science Foundation and the National Institute on Drug Abuse of the National Institutes of Health.
customersupport@researchsolutions.com
10624 S. Eastern Ave., Ste. A-614
Henderson, NV 89052, USA
This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply.
Copyright © 2024 scite LLC. All rights reserved.
Made with 💙 for researchers
Part of the Research Solutions Family.