ANALISIS PENGARUH FINANCIAL TECHNOLOGY TERHADAP PROFITABILITAS PERUSAHAAN PERBANKAN BUMN DI INDONESIA.

Abstract

This study  aims to determine the influence of Financial Technology on the profitability of  state-owned  banking companies in Indonesia. This research  method is a  descriptive method  with a  quantitative approach.  The population used is  state-owned banks listed on the Indonesia Stock Exchange  (IDX). The sampling  technique uses the purposive sampling method.  To analyze the data, the authors used the SmartPLS 3.0 analysis tool. Based on the results of the  research conducted, it can be  seen that the four exogenous variables which include mobile banking, internet banking, sms banking and phone banking have a positive effect  on endogenous  variables which include returns on assets. The results  showed that from the variables of mobile banking (X1) and return on assets (Y1) had a significant effect  with  a signification value of  0.035 (p<0.05),  the internet banking variable (X2) on return on assets (Y1) showed significantly with  the signification value  of 0.048 (p<0.05),  the sms banking variable (X3) to the return on assets (Y1)  showed significant with a signification value of 0.000 (p<0.05) and  the phone banking variable (X4) against the return on assets (Y1) showed significant with  the signification value  is 0.013 (p<0.05).  It is known that the results of the R Square value influence mobile banking, internet banking, sms banking and phone banking on the return on assets  of  0.528 or in percentage terms is  52.8% (moderate model).