金融科技支付对银行手续费收入的影响

Signifikan: Jurnal Ilmu Ekonomi Pub Date : 2022-10-06 DOI:10.15408/sjie.v11i2.26809

Surahmi Kando, Irwan Trinugroho

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引用次数: 0

摘要

本研究以2012 - 2019年印尼传统银行为研究对象，探讨金融科技支付增长对银行手续费收入的影响。我们使用随机效应(RE)来估计我们的经验模型。金融科技支付是通过使用金融科技支付公司的交易量日志来衡量的。我们的研究结果显示，金融科技支付与银行手续费收入之间存在显著的负相关关系。这一结果表明，总体而言，金融科技支付扰乱了银行的收费收入。特别是，我们发现金融科技是对小商业银行的补充。引用方法:Kando, S， & Trinugroho, I.(2022)。金融科技支付对银行手续费收入的影响。[j] .经济研究，2011(2)，425-436。https://doi.org/10.15408/sjie.v11i2.26809.JEL分类:G18, G21, G28

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The Impact of Financial Technology Payment on Bank Fee-Based Income

This study investigates the effect of the growth of financial technology payment on bank fee-based income by studying conventional banks in Indonesia from 2012 to 2019. We employ Random Effect (RE) to estimate our empirical model. Fintech payment is measured by using the log of volume transactions made by fintech payment firms. Our result shows a negative and significant relationship between fintech payment and bank fee-based income. This result indicating that, in general, fintech payment disrupts banks’ fee based-income. In particular, we find that fintech is a complement for small commercial banks.How to Cite:Kando, S., & Trinugroho, I. (2022). The Impact of Fintech Payment on Bank Fee-Based Income. Signifikan: Jurnal Ilmu Ekonomi, 11(2), 425-436. https://doi.org/10.15408/sjie.v11i2.26809.JEL Classification: G18, G21, G28

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Signifikan: Jurnal Ilmu Ekonomi

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