Title: ANALYSIS OF THE INFLUENCE OF DIGITAL PAYMENT SYSTEMS ON BANKING EFFICIENCY IN INDONESIA
Authors:
Setya Dody Ermawan and Surya Raharja
Abstract:
This study aims to analyze the effect of digital payment systems on banking efficiency in Indonesia. The population obtained based on purposive sampling in determining the sample. ATM has no effect on efficiency as measured by BOPO in the conventional banking sector for the 2017-2021 period, although there are differences in the average ATM variable in the period before the covid 19 pandemic (2018-2019) and after the covid 19 pandemic (2020-2021). EDC has an effect positive and significant effect on efficiency as measured by BOPO in the conventional banking sector for the 2017-2021 period, although there is a difference in the average EDC variable in the period before the covid 19 pandemic (2018-2019) and after the covid 19 pandemic (2020-2021). Internet Banking has a negative and significant effect on efficiency as measured by BOPO in the conventional banking sector for the 2017-2021 period although there is no difference in the average Internet Banking variable in the period before the covid 19 pandemic (2018-2019) and after the covid 19 pandemic (2020-2021). Interest rates which are the control variable in this study have a negative and significant effect on efficiency as measured by BOPO in the conventional banking sector for the 2017-2021 period and there is a difference in the average interest rate variable in the period before the covid 19 pandemic (2018-2019) and after the pandemic covid 19 (2020-2021). From the results of different tests on the variables used, namely BOPO, ATM, EDC and interest rates, it was found that there was an average difference in these variables in the period before the covid 19 pandemic (2018-2019) and after pandemic covid 19 (2020-2021). While on the Internet Banking variable from the results of the different test there is no difference in the average of these variables in the period before the covid 19 pandemic (2018-2019) and after the covid 19 pandemic (2020-2021)
Keywords: Digital payments, ATM, EDC, BOPO, and Internet Banking.
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