ANALYSIS OF FINANCIAL TECHNOLOGY IMPRESSIONS ON BANKING FINANCIAL PERFORMANCE IN INDONESIA

Abstract

The purpose of this study is to empirically test the influence of financial technology on the financial performance of banks listed on the Indonesia Financial Exchange (BE1) in 2020-2022 with a population of 47 banks. The sample collection technique used purposive sampling. The data obtained were processed using SPSS analysis. The results of the study showed that Financial technology has a negative effect on Financial Performance. The limitations of the study cannot be generalized and applied to other types of businesses other than the banking sector. This study contributes to providing comprehensive insights into how fintech affects the financial performance of banks in Indonesia, which is useful for developing bank business strategies, formulating regulatory policies, and public financial education.