Amorizky, Shinta (2025) ANALISIS PENGARUH PENGGUNAAN MOBILE BANKING, INTERNET BANKING, DAN ATM TERHADAP KINERJA KEUANGAN PERBANKAN (STUDI KASUS SEKTOR BANK KONVENSIONAL YANG TERDAFTAR DI BURSA EFEK INDONESIA) TAHUN 2022-2024. Skripsi thesis, Universitas BPD.
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Abstract
This study aims to analyze the influence of Mobile Banking, Internet Banking, and ATMs on the financial performance of conventional banks listed on the Indonesia Stock Exchange, measured by Return on Assets (ROA), for the period 2022–2024. The background of this research is driven by the rapid development of digital technology in the banking sector, which is expected to enhance profitability and efficiency. The study employs a quantitative approach using secondary data obtained from banks’ annual reports and official publications of the Financial Services Authority of Indonesia (OJK). Data analysis was co nducted through multiple linear regression with t-tests, F-tests, and classical assumption tests to ensure the validity of the model. The results indicate that, partially, Mobile Banking and Internet Banking have no significant ef fect on ROA, whereas ATMs have a positive and significant effect on ROA. This finding emphasizes that ATMs remain an important source of fee-based income, particularly through routine customer transactions. Simultaneously, the three independent variables significantly influence ROA, contributing 28.9%, while the remaining 71.1% is explained by other factors outside the research model, such as credit risk management, asset quality, and macroeconomic conditions. Keywords: Mobile Banking, Internet Banking, ATM, ROA
| Item Type: | Thesis (Skripsi) |
|---|---|
| Additional Information: | Penelitian ini bertujuan untuk menganalisis pengaruh Mobile Banking, Internet Banking, dan ATM terhadap kinerja keuangan perbankan yang diukur dengan Return on Assets (ROA) pada bank-bank konvensional yang terdaftar di Bursa Efek Indonesia periode 2022–2024. Latar belakang penelitian ini didorong oleh semakin pesatnya perkembangan teknologi digital di sektor perbankan yang diharapkan mampu meningkatkan profitabilitas dan efisiensi. Penelitian menggunakan metode kuantitatif dengan data sekunder yang diperoleh dari laporan tahunan bank dan publikasi resmi Otoritas Jasa Keuangan. Teknik analisis data yang digunakan adalah regresi linier berganda dengan uji t, uji F, serta uji asumsi klasik untuk memastikan validitas model. Hasil penelitian menunjukkan bahwa secara parsial Mobile Banking dan Internet Banking tidak berpengaruh signifikan terhadap ROA, sedangkan ATM terbukti berpengaruh positif signifikan terhadap ROA. Hal ini menegaskan bahwa layanan ATM masih menjadi sumber pendapatan berbasis biaya yang penting, terutama melalui transaksi rutin nasabah. Secara simultan, ketiga variabel independen berpengaruh signifikan terhadap ROA dengan kontribusi sebesar 28,9%, sedangkan 71,1% sisanya dipengaruhi oleh faktor lain di luar model penelitian, seperti manajemen risiko kredit, kualitas aset, dan kondisi makroekonomi. Kata kunci: Mobile Banking, Internet Banking, ATM, ROA |
| Uncontrolled Keywords: | Mobile Banking, Internet Banking, ATM, ROA |
| Subjects: | H Social Sciences > H Social Sciences (General) H Social Sciences > HG Finance H Social Sciences > HJ Public Finance |
| Divisions: | Faculty of Law, Arts and Social Sciences > School of Management |
| Depositing User: | Wisudawan S1 |
| Date Deposited: | 23 Oct 2025 02:43 |
| Last Modified: | 23 Oct 2025 02:43 |
| URI: | http://eprints.stiebankbpdjateng.ac.id/id/eprint/2987 |
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