Digital Banking, Fintech, dan Green Banking Terhadap Profitabilitas Bank Konvensional

Putri Irmala Sari; Supri Yanto

doi:10.30595/medek.v24i1.25623

Authors

Putri Irmala Sari Politeknik Negeri Lampung
Supri Yanto Politeknik Negeri Lampung

Keywords:

Perbankan Digital, Integrasi Fintech, Green Banking, Profitabilitas Bank

Abstract

Penelitian ini mengkaji dampak adopsi digital banking dan integrasi fintech terhadap profitabilitas bank umum konvensional di Indonesia, dengan green banking practice sebagai variabel moderasi. Studi menggunakan pendekatan kuantitatif dengan teknik purposive sampling pada periode 2019-2024. Analisis data menggunakan regresi panel dan Moderated Regression Analysis (MRA), mengukur indeks adopsi digital, tingkat kolaborasi fintech, rasio profitabilitas (ROA, ROE, NIM), dan indeks green banking. Hasil menunjukkan digital banking adoption dan fintech integration berpengaruh positif signifikan terhadap profitabilitas bank, dengan green banking practice berperan sebagai penguat hubungan tersebut. Penelitian berkontribusi pada pengembangan model integratif digital green banking dan memberikan rekomendasi strategis bagi manajemen bank serta masukan bagi regulator dalam merumuskan kebijakan teknologi perbankan dan standarisasi green banking.

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Author Biographies

Putri Irmala Sari, Politeknik Negeri Lampung

Dosen Tetap Jurusan Ekonomi dan Bisnis, Politeknik Negeri Lampung

Supri Yanto, Politeknik Negeri Lampung

Dosen Tetap Jurusan Ekonomi dan Bisnis, Politeknik Negeri Lampung

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