ANALISIS PERBANDINGAN KINERJA KEUANGAN BANK SEBELUM DAN SETELAH MENERAPKAN MOBILE BANKING PADA PERBANKAN YANG TERDAFTAR DI BEI

Abstract

The development of technology in the banking industry is currently very fast. The simplicity of the technology used is expected to provide convenience and speed of transactions, known as Mobile Banking. This study aims to compare the financial performance of banks listed on the Indonesia Stock Exchange (IDX) before and after the implementation of mobile banking. The method in this study is quantitative, using two analytical tools. Namely, the Paired Sample T-Test method and the Wilcoxon marked rank test. Bank financial performance can be measured from various indicators. The indicators used by researchers include Return on Assets (ROA), Return on Equity (ROE), Loan to Deposite Ratio (LDR) and BOPO. The results showed a significant difference between the ROA and ROE variables before and after the implementation of mobile banking. Then, on the contrary, there is no significant difference between the LDR and BOPO variables.