Analisis Inovasi Produk Layanan (E-Banking) Terhadap Peningkatan Fee Base Income Pada Pt. Bank NTB Syariah

Abstract

Along with the times, science and technology have developed so rapidly, one of which is digital technology, where digital technology has entered all lines of human life, even this digital technology is able to influence human life and habits where the presence of digital technology provides convenience to the public to complete their work quickly, easily and efficiently and effectively by using electronic features. The development of this technology is also used by the banking world in addition to improving services but also to increase profitability by making innovations to E-Banking products. This study was conducted to determine and analyze the effect of product service innovation (E-Banking) on the increase in Fee Base Income at PT. Bank NTB Syariah. Data analysis was carried out by quantitative analysis using the Structural Equation Modeling method. The results showed that the development and innovation carried out on the features of the E-Banking service product of PT. Bank NTB Syariah has an effect on increasing the number of transactions so that it has an effect on increasing the income of each E-Banking service product. This increase in service product income (E-Banking) has an effect on increasing the Fee Base Income of PT. Bank NTB Syariah. The results also show that Mobile Banking Income has a significant effect with a P-Value value of 0.002 and a path coefficient value of 0.434, while ATM income has a positive but not significant effect with a P-Value value of 0.122 and a path coefficient value of 0.182. And EDC income has a significant but negative effect with a path coefficient value of -0.253 and a P-Value value of 0.049.

The Influence of Mobile Banking, Internet Banking, and Automated Teller Machine (ATM) Transactions on Fee Based Income

“…Based on the research results, it shows that Mobile Banking has an effect on Fee Based Income, with an indication of tcount > ttable (2.415 > 2.079) and a significance value of 0.025 > 0.05. These findings are in line with and confirm the results of previous research conducted by Ansyary et al (2022), Pranata & Dewi (2023) and Surachim et al (2021) which proves that H2 is acceptable, Mobile Banking has an effect on Fee Based Income. Mobile Banking allows customers to carry out various types of transactions, such as fund transfers, bill payments, and purchasing financial investment products via applications/Apps on smartphones.…”

“…Based on the research results, it shows that Internet Banking has no effect on Fee Based Income, with an indication of tcount > ttable (-1.237 < 2.079) and a significance value of 0.230 > 0.05. This finding is not in line with the results of previous research conducted by Ansyary et al (2022), Pranata & Dewi (2023) Surachim et al (2021) which proves that H3 is rejected, Internet Banking has no effect on Fee Based Income. Web-based services in Internet Banking provide services such as electronic checking accounts, domestic and international financial transactions, or access to financial analysis.…”

“…Mobile Banking allows customers to carry out various types of transactions, such as fund transfers, bill payments, and purchasing financial investment products via applications/Apps on smartphones. The more these transactions are carried out via the Mobile Banking platform, the more potential Fee Based Income income received from transaction fees and commissions received by the bank (Ansyary et al, 2022), (Pranata & Dewi, 2023), (Surachim et al, 2021) .…”

“…The research method is Verifiable and Descriptive with the conclusion that the more customers make transactions via e-banking, the higher the fee based income. The research results show that ATM has a positive and insignificant effect on fee based income (Ansyary et al, 2022). The research method used is a quantitative method.…”

Pengaruh Transaksi Electronic Banking dan Fee Based Income terhadap Profitabilitas Perbankan

“…Menurut Ansyary et al, [5] Dalam prakteknya, produk layanan e-banking dikenakan biaya untuk setiap transaksi yang dilakukan oleh nasabah, besaran biaya yang dibebankan kepada nasabah berbeda-beda tergantung dari jenis transaksi yang dilakukan, biaya yang dibayarkan oleh nasabah atas jasa dari layanan ini yang disebut dengan fee based income. Fee based income merupakan pendapatan yang bank terima dari layanan transaksi yang di tawarkan pada nasabah atau pengguna [6]. Sehingga semakin tinggi jumlah transaksinya maka akan semakin besar pula fee based income yang didapatkan oleh bank setiap tahunnya.…”