The Influence of Electronic Banking and Fee Based Income on Profitability in The Banking Industry Registered on Indonesia Stock Exchange

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

“…The summary results of hypothesis testing are as follows: The results of this research show that Mobile Banking, Internet Banking and ATM have an effect on Fee Based Income, with an indication of the Fcount > Ftable value (31.106 > 3.098) and a significance value of 0.00 < 0.05. This finding is in line with and confirms the results of previous research conducted by Gumilang & Azib (2019) and Suratman & Manurung (2021) which proves that H1 is acceptable. Mobile Banking, Internet Banking, and ATMs influence 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) .…”

“…Banking transactions that are usually carried out manually by customers having to go to the bank directly, can now be done without having to visit the bank, and can be accessed via the Mobile Banking application (Mu'asiroh & Darwanto, 2021). The growth in the number of transactions and nominal transactions via Mobile Banking can be an opportunity for banks to increase Fee-based Income to maintain bank health (Surachim et al, 2021).…”