Dampak Financial Technology (FinTech) dan Bank Digital terhadap Kinerja Perbankan Konvensional di Indonesia

Nur Alya Amalia; Lucia Chandra Dewi; Andi Santoso; Muh.Faisal Akbar Amin; Totok Adi Prasetyo

doi:10.61132/eksap.v3i1.1952

Authors

Nur Alya Amalia STAI Sangatta
Lucia Chandra Dewi STAI Sangatta
Andi Santoso STAI Sangatta
Muh.Faisal Akbar Amin STAI Sangatta
Totok Adi Prasetyo STAI Sangatta

DOI:

https://doi.org/10.61132/eksap.v3i1.1952

Keywords:

Banking, Conventional Bank, Digital Bank, Fintech, Profitability

Abstract

This study aims to determine the impact of Financial Technology (Fintech) and digital banking on the overall performance of conventional banking institutions in Indonesia. This research employs a qualitative approach using a comprehensive literature review as its primary method. Data analysis in this study was conducted through an extensive review of various sources, including books, peer-reviewed journal articles, research reports, official websites, newspapers, and magazines, to obtain a holistic understanding of the topic. The results of this study indicate that both Fintech and digital banking significantly affect the performance of conventional banks in Indonesia. Specifically, the effect of Fintech on conventional banking is reflected in a decrease in traditional banking profitability, because Fintech platforms provide alternative channels and competition in credit distribution and financial services. Meanwhile, the effect of digital banking on conventional banking includes improvements in operational efficiency, wider service accessibility for customers, and noticeable changes in customer behavior and expectations. These findings suggest that conventional banks must adapt strategically to remain competitive in the evolving financial ecosystem.

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