THE INFLUENCE OF FINTECH, CREDIT RISK, AND LIQUIDITY ON BANK PERFORMANCE

Abstract

The purpose of this research is to examine the relationship between bank performance, fintech, credit risk, and liquidity. Secondary data for this study came from bank annual reports that were found on the bank's website. From 2018 through 2022, a total of 46 banks listed on the Indonesia Stock Exchange will be studied, making for a total of 215 observations in this population-based study. As many as forty-three different commercial banking institutions were surveyed using the purposive sample method. Panel data regression analysis and t-test hypothesis testing comprise the analytical approach. The results of the empirical study show that banks' performance is positively and significantly impacted by partly fintech. Bank performance is significantly and negatively impacted by credit risk. Bank performance is unaffected by liquidity. For the sake of this analysis, only five-year IDX-listed bank businesses are included, so the generalization of the results of this study may be limited. It is hoped that future research can consider a longer time period and different sampling methods to increase the generalizability and validity of the findings.