Digital Products Increase Fee-based Income Banking in Indonesia

Authors

  • Ossi Ferli STIE Indonesia Banking School
  • Desi Lestari STIE Indonesia Banking School
  • Luh Ifaterani Isabrenda Kusumawardhani STIE Indonesia Banking School

DOI:

https://doi.org/10.35384/jime.v15i1.300

Keywords:

fee-based income, number of ATMs, CRM & CDM, number of SMS transactions, internet and mobile banking, number of branches

Abstract

This study aims to analyze the effect of digital innovation on fee-based income for five commercial banks listed on the Indonesia Stock Exchange for the 2015-2019 period. The analytical tool used in this study is panel multiple regression equations with the dependent variable feebased income and the dependent varia-ble Number of ATMs, CRM & CDM, Number of SMS, transactions Internet and Mobile Banking, Number of Branches. The results showed that Branches has an insignificant effect on fee-based income. The num-ber of ATMs, CRM & CDM, and the number of SMS, Internet and Mobile Banking transactions has a sig-nificant positive effect on fee-based income. This indicates that digital innovation in banking can increase the bank's fee-based income.

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Published

2022-12-12
Abstract Views: 145 | File Downloads: 154