Pengaruh Mobile Banking Bank Negara Indonesia Terhadap Fee based income Periode 2017-2021

Abstract

Abstrak

Tujuan dari penelitian ini adalah: (1) Mengetahui pengaruh jumlah pengguna aktif mobile banking terhadap fee based income, (2) Mengetahui pengaruh jumlah transaksi mobile banking terhadap fee based income, dan (3) Mengetahui pengaruh jumlah pengguna aktif mobile banking terhadap jumlah transaksi mobile banking. (4) Mengetahui apakah jumlah transaksi mobile banking mampu memediasi pengaruh jumlah pengguna aktif mobile banking terhadap fee based income. Metode yang digunakan dalam penelitian ini adalah kuantitatif dengan teknik pusposive sampling yaitu laporan keuangan tahun 2017-2021.Analisis data menggunakan analisis jalur. Hasil penelitian menunjukkan bahwa (1) Jumlah pengguna aktif mobile banking berpengaruh positif dan signifikan terhadap fee based income (2) Jumlah pengguna aktif mobile banking berpengaruh positif dan signifikan terhadap variabel jumlah transaksi mobile banking (3) Jumlah transaksi mobile banking berpengaruh positif dan signifikan terhadap variabel fee based income (4) Jumlah pengguna aktif mobile banking berpengaruh positif dan signifikan terhadap variabel fee based income dengan mediasi variabel jumlah transaksi mobile banking (5) variabel jumlah pengguna aktif mobile banking mampu mempengaruhi secara langsung variabel fee based income  maupun tidak langsung dengan melibatkan jumlah transaksi mobile banking.

                                     Abstract

The purposes of this study are: (1) To determine the effect of the number of active mobile banking users on fee-based incomes, (2) To determine the effect of the number of mobile banking transactions on fee-based income, and (3) To determine the effect of the number of active mobile banking users on the number of mobile transactions banking. (4) Knowing whether the number of mobile banking transactions is able to mediate the effect of the number of active mobile banking users on fee-based income. The method used in this study is quantitative with a purposive sampling technique, namely the 2017-2021 financial reports. Data analysis uses path analysis. The results showed that (1) the number of active mobile banking users had a positive and significant effect on fee-based income (2) the number of active mobile banking users had a positive and significant effect on the variable number of mobile banking transactions (3) the number of mobile banking transactions had a positive and significant effect on fee-based income variable (4) The number of active mobile banking users has a positive and significant effect on the fee-based income variable by mediating the variable number of mobile banking transactions (5) the variable number of active mobile banking users is able to directly influence the fee-based income variable or indirectly by involving the number of mobile banking transactions.