Electronic Theses and Dissertation

Abstrak di era sekarang ini banyak sekali kemudahan dari perkembangan teknologi, salah satu kemudahan yang dapat dimanfaatkan oleh masyarakat adalah dalam bertransaksi menggunakan pembayaran elektronik seperti atm, e-banking, mobile dan masih banyak aplikasi lainnya. sistem pembayaran elektronik merupakan sarana untuk melakukan transaksi tanpa tatap muka antara pihak-pihak yang terlibat yang merupakan sarana ideal selama pandemi covid-19. penelitian ini bertujuan untuk mengetahui pengaruh sistem pembayaran elektronik terhadap kinerja keuangan bank umum konvensional di indonesia. penelitian ini menggunakan pendekatan kuantitatif, data sekunder dan teknik purposive sampling. hasil penelitian ini menunjukkan bahwa transaksi kartu atm tidak berpengaruh terhadap kinerja keuangan perusahaan yang diproksikan dengan return on assets (roa), sedangkan transaksi internet banking dan ukuran perusahaan berpengaruh signifikan terhadap roa. secara simultan variabel transaksi kartu atm, transaksi internet banking dan ukuran perusahaan berpengaruh signifikan terhadap roa. kata kunci: electronic payment systems, financial performance, internet banking, atm cards, return on assets, conventional commercial banks.

ABSTRACT In today’s era, there are many conveniences from technological developments, one of the conveniences that can be utilized by humans are in transacting using electronic payments such a ATMs, e-banking, mobile and many other applications. The electronic payment systems are a means to conduct transactions without any face-to-face contact between the parties involved which is an ideal means during the Covid-19 Pandemic. This study aims to determine the effect of electronic payment systems on the financial performance of conventional commercial banks in Indonesia. This study uses a quantitative approach, secondary data and a purposive sampling technique. The results of this study indicate that ATM card transactions have no effect on the company’s financial performance as proxied by Return on Assets (ROA), while internet banking transactions and company size have significant effects on ROA. Simultaneously, the variables of ATM card transactions, internet banking transactions and company size have significant effects on ROA. Keywords: Electronic Payment Systems, Financial Performance, Internet Banking, ATM Cards, Return on Assets, Conventional Commercial Banks.