The Effect of the Intensity of Internet Banking, Mobile Banking, and Automated Teller Machine (ATM) Usage on the Return on Assets of Banking Companies Listed on the Indonesia Stock Exchange (IDX)

Christian Daniel Manu; Angela Merici Minggu; Silvi Ayu Willa

doi:10.61255/jeemba.v3i3.1798

Authors

Christian Daniel Manu Universitas Kristen Artha Wacana, Indonesia
Angela Merici Minggu Universitas Kristen Artha Wacana, Indonesia
Silvi Ayu Willa Universitas Kristen Artha Wacana, Indonesia

DOI:

https://doi.org/10.61255/jeemba.v3i3.1798

Keywords:

Financial Technology, Internet Banking, Mobile Banking, Automated Teller Machine, Return on Assets

Abstract

The development of Financial Technology (FinTech) has driven digital transformation in the banking industry through the use of Internet Banking, Mobile Banking, and Automated Teller Machine (ATM) services. Although the use of digital services continues to increase, the results of previous studies on their impact on banking profitability remain inconsistent. This study aims to analyze the impact of Internet Banking, Mobile Banking, and ATM transactions on banking profitability as proxied by Return on Assets (ROA) among banking companies listed on the Indonesia Stock Exchange for the period 2019–2024. The study employs a quantitative approach with an explanatory design and utilizes secondary data obtained from the companies’ annual reports. The sample was selected using purposive sampling, resulting in five banking companies with a total of 30 observations. Data analysis was conducted using multiple linear regression with the aid of IBM SPSS. The results indicate that Mobile Banking has a positive and significant effect on ROA, whereas Internet Banking and ATMs do not have a significant effect on ROA. These findings suggest that an increase in transactions via Mobile Banking can enhance operational efficiency and fee-based income, thereby contributing to improved profitability. Conversely, Internet Banking and ATMs have not yet made a significant contribution due to the high investment and operational costs associated with the development of these two services. This study provides an empirical contribution in explaining the effectiveness of each digital service channel on banking profitability and serves as input for bank management in determining priorities for digital technology investments.

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