ANALISIS PERBANDINGAN PROFITABILITAS PERBANKAN SEBELUM DAN SESUDAH PENERAPAN MOBILE BANKING - Anggarawati, Ni Kadek Desi; Suarjaya, Anak Agung Gede (E-Jurnal Manajemen, 2024)
Perkembangan teknologi yang semakin maju mampu meningkatkan kepuasan dalam menyederhanakan suatu aktivitas. Sektor perbankan pun tidak terlepas dari adanya kemajuan teknologi, perbankan harus bersaing untuk menyediakan layanan yang mudah, cepat, serta seluruh lapisan masyarakat dapat dijangkau. Pengenalan layanan mobile banking merupakan salah satu contoh inovasi teknologi mutakhir di sektor perbankan. Penerapan mobile banking diharapkan dapat meningkatkan profitabilitas perbankan. Studi ini dilakukan dengan tujuan untuk menganalisis perbedaan profitabilitas perbankan sebelum dan sesudah menerapkan mobile banking. Profitabilitas dalam penelitian ini ditinjau dari 3 (tiga) rasio yaitu Return On Assets (ROA), Return On Equity (ROE), dan Biaya Operasional terhadap Pendapatan Operasional (BOPO). Penelitian ini dilakukan dengan periode 2 (dua) tahun sebelum dan 2 (dua) tahun setelah penerapan mobile banking. Penelitian ini dilakukan pada perusahaan perbankan yang menerapkan mobile banking di Bursa Efek Indonesia (BEI). Metode sampling jenuh dipakai pada riset ini dengan jumlah sampel 20 perusahaan perbankan. Data dianalisis dengan statistik deskriptif serta statistik inferensial memakai Paired Sample T-Test. Penelitian ini memperoleh hasil bahwa mobile banking dapat meningkatkan rasio ROA dan ROE, serta mobile banking dapat menurunkan rasio BOPO, yang berarti terdapat peningkatan profitabilitas sesudah penerapan mobile banking.   The development of increasingly advanced technology is able to increase satisfaction in simplifying an activity. The banking sector is also inseparable from technological advances, banks must compete to provide services that are easy, fast, and accessible to all levels of society. The introduction of mobile banking services is one example of the latest technological innovations in the banking sector. The application of mobile banking is expected to increase banking profitability. This study was conducted with the aim of analyzing the differences in banking profitability before and after implementing mobile banking. Profitability in this study is reviewed from 3 (three) ratios, namely Return On Assets (ROA), Return On Equity (ROE), and Operational Costs to Operating Income (BOPO). This research was conducted with a period of 2 (two) years before and 2 (two) years after the implementation of mobile banking. This research was conducted at banking companies that implement mobile banking on the Indonesia Stock Exchange (IDX). The saturated sampling method was used in this research with a total sample of 20 banking companies. Data were analyzed with descriptive statistics and inferential statistics using the Paired Sample T-Test. This study obtained the results that mobile banking can increase the ratio of ROA and ROE, and mobile banking can reduce the BOPO ratio, which means there is an increase in profitability after implementing mobile banking.