PENGARUH TRANSFORMASI DIGITAL TERHADAP KINERJA KEUANGAN MELALUI EFISIENSI OPERASIONAL PADA PERBANKAN PERIODE 2015-2024

QUINASA RAMA HERLANLAM, . (2026) PENGARUH TRANSFORMASI DIGITAL TERHADAP KINERJA KEUANGAN MELALUI EFISIENSI OPERASIONAL PADA PERBANKAN PERIODE 2015-2024. Sarjana thesis, UNIVERSITAS NEGERI JAKARTA.

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Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh transformasi digital terhadap kinerja keuangan dengan efisiensi operasional sebagai variabel mediasi pada sektor perbankan di Indonesia. Latar belakang penelitian ini didasari oleh masifnya adopsi teknologi digital dalam industri perbankan yang menuntut investasi modal besar, sehingga berpotensi memberikan dampak ganda berupa peningkatan pendapatan sekaligus tekanan terhadap beban operasional bank. Penelitian ini menggunakan pendekatan kuantitatif dengan metode regresi data panel untuk mengestimasi hubungan antar variabel. Populasi penelitian mencakup bank umum yang terdaftar di Bursa Efek Indonesia, dengan sampel yang diambil menggunakan teknik purposive sampling selama periode 2015–2024, menghasilkan data dari 25 bank yang memenuhi kriteria. Teknik analisis melibatkan pemilihan model terbaik melalui uji Chow dan Hausman, uji asumsi klasik, serta uji Sobel untuk mediasi. Hasil penelitian menunjukkan bahwa transformasi digital berpengaruh positif terhadap beban operasional dan juga berpengaruh positif signifikan secara langsung terhadap kinerja keuangan. Efisiensi operasional terbukti memiliki pengaruh negatif signifikan terhadap kinerja keuangan. Selain itu, efisiensi operasional berperan signifikan sebagai variabel mediasi dalam hubungan antara transformasi digital dan kinerja keuangan, dengan arah pengaruh tidak langsung yang negatif. Temuan ini menegaskan bahwa meskipun transformasi digital merupakan aset strategis yang mampu mendongkrak pendapatan sesuai teori Resource-Based View, keberhasilannya dalam meningkatkan profitabilitas sangat bergantung pada kapabilitas manajemen dalam mengendalikan efisiensi biaya investasi. Kata kunci: transformasi digital, efisiensi operasional, kinerja keuangan, perbankan, resource-based view ***** This study aims to analyze the effect of digital transformation on financial performance with operational efficiency as a mediating variable in the Indonesian banking sector. The background of this study is based on the massive adoption of digital technology in the banking industry, which requires significant capital investment, potentially having a dual impact in the form of increased revenue and pressure on bank operating expenses. This study uses a quantitative approach with a panel data regression method to estimate the relationship between variables. The study population includes commercial banks listed on the Indonesia Stock Exchange, with samples taken using a purposive sampling technique during the 2015–2024 period, resulting in data from 25 banks that meet the criteria. The analysis technique involves selecting the best model through the Chow and Hausman test, the classical assumption test, and the Sobel test for mediation. The results show that digital transformation has a positive effect on operating expenses and also has a significant positive direct effect on financial performance. Operational efficiency is proven to have a significant negative effect on financial performance. In addition, operational efficiency plays a significant role as a mediating variable in the relationship between digital transformation and financial performance, with a negative indirect effect. This finding confirms that although digital transformation is a strategic asset capable of boosting revenue according to the Resource-Based View theory, its success in increasing profitability is highly dependent on management's capability in controlling investment cost efficiency. Keywords: digital transformation, operational efficiency, financial performance, banking, resource-based view

Item Type:	Thesis (Sarjana)
Additional Information:	1). Prof. Dr. Gatot Nazir Ahmad, M.Si. ; 2). Dr. Ryna Parlyna, M.B.A.
Subjects:	Manajemen > Manajemen , Business
Divisions:	FE > S1 Bisnis Digital
Depositing User:	Users 32991 not found.
Date Deposited:	04 Feb 2026 01:40
Last Modified:	04 Feb 2026 01:40
URI:	http://repository.unj.ac.id/id/eprint/64860

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