Tujuan penelitian ini adalah untuk mengetahui dan menganalisis pengaruh transaksi digital banking (E-Money dan Mobile Banking), serta Dana Pihak Ketiga terhadap Fee Based Income Bank Umum dan Bank Syariah di Indonesia dari tahun 2021 sampai dengan 2024. Penelitian ini dilakukan untuk mengetahui sejauh mana transaksi digital banking memengaruhi fee-based income Bank Umum dan Bank Syariah di Indonesia. Dengan mengambil periode 2021 hingga 2024, penelitian ini juga akan memberikan gambaran tentang dinamika perubahan sebelum, selama, dan setelah pandemi COVID-19, serta dampaknya terhadap pendapatan bank dari layanan digital. Jenis penelitian ini adalah kuantitatif dengan teknik penentuan sampel sensus menggunakan populasi seluruh Bank Umum Konvensional dan Syariah di Indonesia. Pengambilan sampel penelitian menggunakan purposive sampling yaitu sepuluh Bank Konvensional dan Bank Syariah terbesar dari Nilai Fee Based Incomenya dari tahun 2021-2024. Metode analisis data yang digunakan Adalah Regresi Data Panel. Berdasarkan hasil penelitian ini menunjukkan bahwa Variabel E-Money, Dana Pihak Ketiga, Mobile Banking berpengaruh terhadap Fee Based Income Bank Umum Konvensional. Variabel E-Money tidak Berpengaruh terhadap Fee Based Income Bank Syariah, sedangkan Variabel Dana Pihak Ketiga dan Mobile Banking berpengaruh signifikan terhadap Fee Based Income Bank Syariah Tahun 2021-2024.


Deskripsi Lain

The purpose of this study is to determine and analyze the influence of digital banking transactions (e-money and mobile banking), well third-party funds on fee-based income of commercial banks and Islamic banks in Indonesia from 2021 to 2024. This study was conducted to determine the extent to which digital banking transactions affect fee-based income of commercial banks and Islamic banks in Indonesia. By taking the period 2021 to 2024, this study will also provide an overview of the dynamics of change before, during, and after the COVID-19 pandemic, well its impact on bank income from digital services. This type of research is quantitative with a census sampling technique using the population of all conventional and Islamic banks in Indonesia. The research sample was taken using purposive sampling, namely the ten largest conventional and Islamic banks in terms of fee-based income from 2021-2024. The data analysis method used is panel data regression. Based on the results of this study, it shows that the variables e-money, third-party funds, and mobile banking have an effect on the fee-based income of conventional banks. The E-Money variable has no effect on the fee-based income of Islamic banks, while the third-party funds and mobile banking variables have a significant effect on the fee-based income of Islamic banks in 2021-2024.