Pengaruh Infrastuktur Teknologi Keuangan Terhadap Efisiensi dan Dana Pihak Ketiga pada Bank Digital
Article Sidebar
Main Article Content
Abstract
Tujuan penelitian adalah menganalisis hubungan ITK dengan efisiensi keuangan dan DPK pada bank digital, serta mengeksplorasi mekanisme pengaruhnya dari perspektif manajemen dan nasabah. Populasi penelitian mencakup 15 bank digital di Indonesia, dengan sampel 5 bank yang memenuhi kriteria *purposive sampling* (laporan tahunan 2021-2023, independen dari bank konvensional, dan ketersediaan data lengkap). Analisis data menggunakan *Partial Least Squares Structural Equation Modeling* (PLS-SEM) melalui SmartPLS 3.3.3 menunjukkan bahwa ITK berpengaruh positif dan signifikan terhadap efisiensi keuangan serta DPK. Temuan ini mengonfirmasi bahwa pemanfaatan teknologi finansial tidak hanya meningkatkan optimalisasi biaya dan alokasi sumber daya dari sisi manajemen, tetapi juga memperkuat kepercayaan dan keputusan nasabah dalam menitipkan dana. Implikasi penelitian menegaskan pentingnya investasi ITK sebagai strategi untuk memperkuat daya saing dan stabilitas keuangan institusi di era digital
Article Details
This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.
References
Aldiansyah, C., & Rahma, T. (2023). Pengaruh Sukuk, Inflasi, Suku Bunga, Dan Pertumbuhan Ekonomi Terhadap Simpanan Dana Ketiga Perbankan Syariah. EKOMBIS REVIEW: Jurnal Ilmiah Ekonomi dan Bisnis, 11(1), 663–67. https://doi.org/10.37676/ekombis.v11i1.3334
Anjarwati, S., Rosaria Zaena, R., Fitrianingsih, D., & Sulistiana, I. (2023). Pengaruh digitalisasi akuntansi terhadap efisiensi dan pengurangan biaya pada perusahaan wirausaha UMKM di Kota Bandung. Jurnal Aktiva: Riset Akuntansi dan Keuangan, 5(1), 57–72. https://doi.org/10.52005/aktiva.v5i1.181
Baig, A., Sohoni, V., Lhuer, X., & Williams, Z. (2024, October 23). Unlocking Value From Technology in Banking: An Investor Lens. McKinsey & Company. https://www.mckinsey.com/industries/financial-services/our-insights/unlocking-value-from-technology-in-banking-an-investor-lens
Boot, A.W.A. & Ratnovski, L. (2016). Banking and Trading. Review of Finance, 20(6), 2219–2246. https://doi.org/10.1093/rof/rfv069
Boot, A.W.A., Hoffmann, P., Laeven, L., & Ratnovski, L. (2020). Financial Intermediation and Technology: What’s Old, What’s New? (IMF Working Paper No. 20/161). International Monetary Fund. https://www.imf.org/en/Publications/WP/Issues/2020/08/07/Financial-Intermediation-and-Technology-Whats-Old-Whats-New-49641
Borio, C. (2023). Getting up from the floor (BIS Working Paper No. 1100). Bank for International Settlements. https://www.bis.org/publ/work1100.htm
Budiastuti, M. N., Wiralaga, H. K., & Zahra, S. F. (2022). Analysis of The Effect of Macroprudential Policy Instruments on Commercial Bank Liquidity in Indonesia in The Period of 2018–2021. International Journal of Multidisciplinary Research and Literature, 1(5), 481–600. https://doi.org/10.53067/ijomral.v1i5.63
Bui, N., & Doan, T.T. (2024). The impact of information and communications technology infrastructure on economic growth: Does the financial system play an important role?. Edelweiss Applied Science and Technology, 8(4), 969-978. https://doi.org/10.55214/25768484.v8i4.1475
Chakraborty, S. (2020). Financial Infrastructure and Economic Growth. In R. Das (Ed.), Handbook of Research on Economic, Financial, and Industrial Impacts on Infrastructure Development (pp. 346-375). IGI Global Scientific Publishing.. https://doi.org/10.4018/978-1-5225-2361-1.CH018
de Camargo Fiorini, P., Seles, B. M. R. P., Jabbour, C. J. C., Mariano, E. B., & de Sousa Jabbour, A. B. (2018). Management Theory and Big Data Literature: From A Review to A Research Agenda. International Journal of Information Management, 43, 112–129. https://doi.org/10.1016/j.ijinfomgt.2018.07.005
Diamond, D.W & Dybvig, P.H, (1983). Bank Runs, Deposit Insurance, and Liquidity. Journal of Political Economy, 91(3), 401-419. https://doi.org/10.1086/261155
Effendi, S. (2013). Pengaruh Investasi Teknologi Informasi Terhadap Efisiensi dan Penguasaan Pasar Pada Perusahaan Perbankan: Studi Kasus Sepuluh Bank Papan Stas Indonesia. Postgraduate Tesis, Universitas Gadjah Mada.
Field, A. (2018). Discovering Statistics Using IBM SPSS Statistics (5th ed.). London: Sage.
Garson, G.D. (2016). Partial Least Squares: Regression and Structural Equation Models. Asheboro, NC: Statistical Associates Publishing.
Goddard, J., Liu, H., Molyneux, P. & Wilson, J.O.S. (2013). Do bank profits converge? European Financial Management, 19(2), 345-365. https://doi.org/10.1111/j.1468-036X.2010.00578.x
Goel, R., & Kashiramka, S. (2025). FinTech Advancement in The Banking Industry: Is It Driving Efficiency? International Journal of Finance & Economics. Advance online publication. https://doi.org/10.1002/ijfe.3170
Hair, J.F., Hult, G.T.M., Ringle, C.M., & Sarstedt, M. (2017). A Primer on Partial Least Squares Structural Equation Modeling (PLS-SEM) (2nd ed.). London: Sage.
Henseler, J., Dijkstra, T.K., Sarstedt, M., Ringle, C.M., Diamantopoulos, A., & Straub, D.W. (2016). Handbook of Partial Least Squares: Concepts, Methods and Applications. Princeton, NJ: Springer.
Kalatzis, A., Martins-Filho, C., & Ribeiro, A. (2024). Financial constraints and firm efficiency: Further empirical evidence. Finance Research Letters, 72, 106524. https://doi.org/10.1016/j.frl.2024.106524
Kalyan, N. (2024). Overview of Financial Efficiency in India’s Power Sector. Saudi Journal of Economics and Finance, 8(10): 343-363. https://doi.org/10.36348/sjef.2024.v08i10.003
Karnachov, O., & Makarenko, Y. (2024). Assessing the Efficiency of Management of Financial and Economic Activities on the Example of «BEAUTY-PROF» LLC Using the System of Financial Coefficients [Оцінка Ефективності Управління Фінансово-Господарською Діяльністю На Прикладі Тов «Бьюті-Проф» Із Застосуванням Системи Фінансових Коефіцієнтів]. Business Inform, 11, 268-276. https://doi.org/10.32983/2222-4459-2024-11-268-276
Komala, A.R. ., Maryati, M., Santiyani, W. & Hinggis, F.F. . (2023). Third Party Funds Affect the Net Income of Bank Syariah Indonesia (BSI). Proceeding of International Conference on Business, Economics, Social Sciences, and Humanities, 6, 458-464. https://doi.org/10.34010/icobest.v4i.404
Koont, N., Santos, T., & Zingales, L. (2024, June). Destabilizing digital “bank walks” (BFI Working Paper No. 2024-79). Becker Friedman Institute for Economics at the University of Chicago. https://bfi.uchicago.edu/working-paper/destabilizing-digital-bank-walks/
Kurniawan, D. (2024). Pengaruh penerapan teknologi informasi, arus kas dan laba terhadap efisiensi keuangan perusahaan. Ranah Research: Journal of Multidisciplinary Research and Development, 6(4), 827–837. https://doi.org/10.38035/rrj.v6i4.882
Li, Y., Xu, M., Dai, J., Yang, Z., & Cheng, Z. (2023). Examining the Impact of Infrastructure Financialization on Uneven Regional Development: Evidence from China. Land, 12(3), 641. https://doi.org/10.3390/land12030641
Lukaraja, M., Pesulessy, E.R., Lesnussa, Y.A. & Matdoan, M.Y. (2020). Sructural Equation Modeling (SEM) to Analyze The Factors Influncing The Ministry of Service PT. PLN (Persero) to Customer Satisfaction at The Village North Buano. Variance, 2(2), 93-102. https://doi.org/10.30598/variancevol2iss2page93-102
Thakor, A. & Yu, E.G. (2024). Funding Liquidity Creation by Banks. Journal of Financial Stability, 73, 101295, 1-11. https://doi.org/10.1016/j.jfs.2024.101295
Turdibayeva, K. (2024, Juli 11). How to improve cost to income ratio in banks. ProcessMaker.com. https://www.processmaker.com/blog/how-to-improve-cost-to-income-ratio-in-banks/
Wahyu, D., & Setiawati, H. (2022). Effect Of Third Party Funds On Lending To National Private Commercial Banks. Journal of Applied Business, Taxation and Economics Research, 1(3), 215–230. https://doi.org/10.54408/jabter.v1i3.42
Widyandri, D. B., & Laila, N. (2022). Analysis of the influence of mobile banking and financial inclusion on the financial performance of Sharia banks in Indonesia for the period 2014–2019. Jurnal Ekonomi Syariah Teori dan Terapan (JESTT), 9(1), 14–24. https://doi.org/10.20473/vol9iss20221pp14-24
Williamson, O. E. (1981). The Economics of Organization: The Transaction Cost Approach. American Journal of Sociology, 87(3), 548–577. https://doi.org/10.1086/227496
Yavna, I. (2023). Economic essence of efficiency and its types [Економічна Сутність Ефективності Та Її Види]. Economics. Finances. Law, 2023(9), 115-118. https://doi.org/10.37634/efp.2023.9.25
Zhao, H., Khaliq, N., Li, C. & Oláh, J. (2024). In Quest of Perceived Transaction Cost’s Impact on Fintech Users’ Intention: The Moderating Role of Situational Factors. Humanities and Social Sciences Communications, 11, 751, 1-13. https://doi.org/10.1057/s41599-024-03257-1
Дунська, А., Лагодієнко, В., & Ткаченко, А. (2024). Формування На Сучасному Етапі Ринку Фінансових Технологій В Світовій Економіці. Herald of Khmelnytskyi National University. Economic Sciences, 324(6), 273-278. https://doi.org/10.31891/2307-5740-2023-324-6-46