Operational Efficiency of Digital vs. Non-Digital Banks in Indonesia A Comparative Analysis

Muhammad Syifaul Qolbi; Fauzatul Laily Nisa

doi:10.63922/ijebir.v5i03.3424

Muhammad Syifaul Qolbi Faculty of Economics and Business, Universitas Pembangunan Nasional “Veteran” Jawa Timur
Fauzatul Laily Nisa Faculty of Economics and Business, Universitas Pembangunan Nasional “Veteran” Jawa Timur

DOI: https://doi.org/10.63922/ijebir.v5i03.3424

Keywords: Operational Efficiency, Total Assets, Return on Assets, Third Party Funds, Loan to Deposit Ratio, Digital Banking, Panel Data

Abstract

This study examines the operational efficiency of digital and non-digital banks in Indonesia using panel data from 2015 to 2024. The analysis employs key financial indicators, including profitability (ROA), third-party funds (DPK), loan-to-deposit ratio (LDR), total assets, and a dummy variable representing bank type. The results show that ROA and DPK have a significant negative effect on BOPO, indicating improved efficiency, while LDR has a positive effect, suggesting reduced efficiency. Meanwhile, total assets and bank classification do not show significant effects. These findings indicate that operational efficiency is more influenced by internal financial performance than by the adoption of digital banking models. The study provides insights into banking efficiency dynamics in the context of digital transformation.

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