Published: 2025-12-01
Pengaruh Penerapan Financial Technology (Fintech) Terhadap Rasio Keuangan Perusahaan Sektor Perbankan Yang Terdaftar di Bursa Efek Indonesia Tahun 2019-2022
DOI: 10.35870/jemsi.v11i6.4915
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Abstract
This study aims to examine the impact of the implementation of financial technology (fintech) on the financial ratios of banking sector companies listed on the Indonesia Stock Exchange (IDX) during the period of 2019-2022. The methodology used is a quantitative analysis with the collection of secondary data from annual financial statements. The results indicate that fintech positively influences Return on Asset (ROA), Return on Equity (ROE), and Net Interest Margin (NIM), with significance showing that fintech adoption enhances the efficiency and profitability of banks. The conclusion of this research is that fintech adoption can improve banking financial performance, which has positive implications for investors and other stakeholders.
Keywords
Fintech Implementation ; Return on Asset (ROA) ; Return on Equity (ROE) ; and Net Interest Margin (NIM)
Article Information
This article has been peer-reviewed and published in the JEMSI (Jurnal Ekonomi, Manajemen, dan Akuntansi). The content is available under the terms of the Creative Commons Attribution 4.0 International License.
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Issue: Vol. 12 No. 1 (2026)
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Section: Articles
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Published: %750 %e, %2025
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License: CC BY 4.0
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Copyright: © 2025 Authors
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DOI: 10.35870/jemsi.v11i6.4915
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Widita Okta Astusi
Akuntansi Bisnis Digital, Ekonomi dan Bisnis, Politeknik Negeri Lampung, Bandar Lampung, Lampung, Indonesia.
M. Muhayin A Sidik
Akuntansi Bisnis Digital, Ekonomi dan Bisnis, Politeknik Negeri Lampung, Bandar Lampung, Lampung, Indonesia.
Artie Arditha Rachman
Akuntansi Bisnis Digital, Ekonomi dan Bisnis, Politeknik Negeri Lampung, Bandar Lampung, Lampung, Indonesia.
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