THE IMPACT OF BANKING NETWORK SERVICES THROUGH PROFITABILITY ON INDONESIA BANKING COMPANIES

E. S. Suhendra, Emmy Indrayani, Dia Ragasari, Gesty Ernestivita
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Abstract

The banking sector has embraced the use of technology to serve its clients faster and also to do more with less. Emerging technologies have changed the banking industry from paper and branch based banks to digitized and networked banking services. ATM machines and the number of switching networks is among the technologies used in the banking industry. The aim of this study is to analyze the influence of network switching and number of ATM machine through non-interest income to profitability. The paper proposes to examine whether the number of ATM machines of the bank affect the fee-based income, whether the amount of ATM switching network membership of the bank affects the bank’s fee-based income, and whether the feebased income affects the performance of the bank. The study was conducted in banking companies belonging to members of the switching principal network appointed by Bank Indonesia and switching network companies in Indonesia. The data used for this research is represented by financial statements from Indonesian commercial banks that have gone public, data from banking magazines and data available from each bank’s page avaiolable for open access. The number of samples from this study is represented by 30 commercial banks that are listed in IDX. The results of this study show that the number of ATM machines has no significant effect on Fee Based Income. At the same time, the number of switching networks has a significant effect toward Fee Based Income, and the Fee Based Income has no significant effect on the bank’s return on investment.
银行网络服务通过盈利能力对印尼银行公司的影响
银行业已经接受了使用技术来更快地为客户服务,并以更少的成本做更多的事情。新兴技术已经将银行业从纸质和分行银行转变为数字化和网络化的银行服务。自动取款机和数量交换网络是银行业使用的技术之一。本研究的目的是通过非利息收入分析网络交换和ATM机数量对盈利能力的影响。本文提出考察银行的ATM机数量是否影响收费收入,银行的ATM交换网络成员数量是否影响银行的收费收入,以及收费收入是否影响银行的绩效。该研究是在属于印度尼西亚银行任命的交换主要网络成员的银行公司和印度尼西亚的交换网络公司中进行的。本研究使用的数据来自已上市的印尼商业银行的财务报表、银行业杂志的数据以及各银行开放获取页面的数据。本研究的样本数量由IDX上市的30家商业银行代表。本研究结果显示,自动柜员机数量对收费收入并无显著影响。同时,交换网络的数量对Fee Based Income有显著影响,而Fee Based Income对银行的投资回报率没有显著影响。
本文章由计算机程序翻译,如有差异,请以英文原文为准。
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