ANALYSIS OF ELECTRONIC BANKING ( E-BANKING) USERS IN INDONESIA DURING AND AFTER THE COVID-19 PANDEMIC
DOI:
https://doi.org/10.47701/icohetech.v4i1.3423Keywords:
mobile banking, internet banking, pandemic covid-19Abstract
The purpose of this study is to examine the differences in the impact of the covid-19 pandemic on electronic banking users. This study used the Wixolcon Test analysis method to test the differences between paired data. Testing comparisons between observations before and after being given treatment and knowing the effectiveness of a treatment. The dependent variables in this research are mobile banking, internet banking and the dependent variable is the covid-19 pandemic. This research uses a quantitative research approach. The data source is from the official website of the Indonesian Stock Exchange, namely www.idx.co.id in 2019 - 2022. The total research population was 47 companies. The sampling method was purposive sampling so that a total sample of 39 companies was obtained. The results of the Wixolcon test, namely on the mobile banking variable, show that there are differences in mobile banking users in Indonesia during and after the Covid-19 pandemic. Regarding the internet banking variable, the results of internet banking research show that there are differences in internet banking users in Indonesia during and after the Covid-19 pandemic.
References
Aiyubbi, D. El, Trisanty, A., & Wijayanti, D. (2021). Analisis Tingkat Kepuasan Nasabah Pengguna e-Banking pada Masa Pandemi Covid-19. Banking & Management Review, 10(1), 1398–1409.
Ben Romdhane, Y., Kammoun, S., & Loukil, S. (2023). The impact of Fintech on inflation and unemployment: the case of Asia. Arab Gulf Journal of Scientific Research. https://doi.org/10.1108/AGJSR-08-2022-0146
Chiu, J. L., Bool, N. C., & Chiu, C. L. (2017). Challenges and factors influencing initial trust and behavioral intention to use mobile banking services in the Philippines. Asia Pacific Journal of Innovation and Entrepreneurship, 11(2), 246–278. https://doi.org/10.1108/apjie-08-2017-029
DeLone, W. H., & McLean, E. R. (2003). The DeLone and McLean model of information systems success: A ten-year update. Journal of Management Information Systems, 19(4), 9–30. https://doi.org/10.1080/07421222.2003.11045748
Fu, J., & Mishra, M. (2022). Fintech in the time of COVID−19: Technological adoption during crises. Journal of Financial Intermediation, 50. https://doi.org/10.1016/j.jfi.2021.100945
Ghozali. (2017). Analisis Multivariat Dan Ekonometrika. Badan Penerbit Universitas Diponegoro.
Iskandar, E., Ahmadsyah, I., & Rahayu, C. (2021). Pengaruh Pandemi Covid-19 Terhadap Minat Penggunaan Mobile Banking Pada Nasabah BNI Syariah Cabang Banda Aceh. Jurnal Ilmiah Mahasiswa Ekonomi Dan Bisnis Islam, 2(1), 45–53. https://doi.org/10.22373/jimebis.v2i1.199
Islam, S., Kabir, M. R., Dovash, R. H., Nafee, S. E., & Saha, S. (2019). Impact of Online Banking Adoption on Bank’s Profitability: Evidence from Bangladesh. European Journal of Business and Management Research, 4(3). https://doi.org/10.24018/ejbmr.2019.4.3.38
Kwaku, J., & Mawutor, M. (2014). Impact of E-Banking on the Profitability of Banks in Ghana. In Research Journal of Finance and Accounting www.iiste.org ISSN (Vol. 5, Issue 22). www.iiste.org
Bank Indonesia (BI).(2022). Laporan Perekonomian Indonesia (LPI).
Marginingsih, R. (2021). Financial Technology (Fintech) Dalam Inklusi Keuangan Nasional di Masa Pandemi Covid-19. Jurnal Akuntansi Dan Keuangan, 8(1). http://ejournal.bsi.ac.id/ejurnal/index.php/moneter56
Melky Fuadi, A., Ekonomi dan Bisnis, F., Melky Fuadi Program Studi Ekonomi, A., & dan Perbankan, K. (n.d.). PENULIS KORESPONDENSI ANALISIS PENGARUH FINTECH ADOPTION TER-HADAP PROFITABILITAS BANK UMUM KONVEN-SIONAL DI INDONESIA. CONTEMPORARY STUDIES IN ECONOMIC, 1. https://doi.org/10.21776/csefb.2022.01.1.02
Mukherjee, A., & Nath, P. (2003). A model of trust in online relationship banking. International Journal of Bank Marketing, 21(1), 5–15. https://doi.org/10.1108/02652320310457767 rimbawan restruk. (n.d.).
Rohmawati, A., & Kuntadi, C. (2023). Pengaruh E-Wallet , Mobile Banking , dan E-Money Terhadap Transaksi Bisnis Digital Pasca Covid-19.
Sain, F., & Hayat, A. (n.d.). The Influence of Digital Banking Services on Rentability and Risk Profile of Banks with the Covid-19 Pandemic and Capital as a Moderating Variable. In Jurnal Office: Jurnal Pemikiran Ilmiah dan Pendidikan Administrasi Perkantoran (Vol. 9, Issue 1). http://ojs.unm.ac.id/jo
Suharsono, Riyanto ; Rahmasari, G. P. A. (2016). Jurnal 1. In Pengaruh Pengungkapan Corporate Social Responsibility (CSR) Terhadap Cost of Capital (COC) Dengan Kepemilikan Institusional Sebagai (Vol. 109, Issue 1, pp. 109–119).
Syahputra, A., & Bina Karya Tebing Tinggi, S. (n.d.). ANALYSIS OF THE IMPACT OF THE EXTENSION OF CREDIT RESTRUCTURING ON BANKING SOUNDNESS.
Aiyubbi, D. El, Trisanty, A., & Wijayanti, D. (2021). Analisis Tingkat Kepuasan Nasabah Pengguna e-Banking pada Masa Pandemi Covid-19. Banking & Management Review, 10(1), 1398–1409.
Ben Romdhane, Y., Kammoun, S., & Loukil, S. (2023). The impact of Fintech on inflation and unemployment: the case of Asia. Arab Gulf Journal of Scientific Research. https://doi.org/10.1108/AGJSR-08-2022-0146
Chiu, J. L., Bool, N. C., & Chiu, C. L. (2017). Challenges and factors influencing initial trust and behavioral intention to use mobile banking services in the Philippines. Asia Pacific Journal of Innovation and Entrepreneurship, 11(2), 246–278. https://doi.org/10.1108/apjie-08-2017-029
DeLone, W. H., & McLean, E. R. (2003). The DeLone and McLean model of information systems success: A ten-year update. Journal of Management Information Systems, 19(4), 9–30. https://doi.org/10.1080/07421222.2003.11045748
Fu, J., & Mishra, M. (2022). Fintech in the time of COVID−19: Technological adoption during crises. Journal of Financial Intermediation, 50. https://doi.org/10.1016/j.jfi.2021.100945
Ghozali. (2017). Analisis Multivariat Dan Ekonometrika. Badan Penerbit Universitas Diponegoro.
Iskandar, E., Ahmadsyah, I., & Rahayu, C. (2021). Pengaruh Pandemi Covid-19 Terhadap Minat Penggunaan Mobile Banking Pada Nasabah BNI Syariah Cabang Banda Aceh. Jurnal Ilmiah Mahasiswa Ekonomi Dan Bisnis Islam, 2(1), 45–53. https://doi.org/10.22373/jimebis.v2i1.199
Islam, S., Kabir, M. R., Dovash, R. H., Nafee, S. E., & Saha, S. (2019). Impact of Online Banking Adoption on Bank’s Profitability: Evidence from Bangladesh. European Journal of Business and Management Research, 4(3). https://doi.org/10.24018/ejbmr.2019.4.3.38
Kwaku, J., & Mawutor, M. (2014). Impact of E-Banking on the Profitability of Banks in Ghana. In Research Journal of Finance and Accounting www.iiste.org ISSN (Vol. 5, Issue 22). www.iiste.org
Marginingsih, R. (2021). Financial Technology (Fintech) Dalam Inklusi Keuangan Nasional di Masa Pandemi Covid-19. Jurnal Akuntansi Dan Keuangan, 8(1). http://ejournal.bsi.ac.id/ejurnal/index.php/moneter56
Melky Fuadi, A., Ekonomi dan Bisnis, F., Melky Fuadi Program Studi Ekonomi, A., & dan Perbankan, K. (n.d.). PENULIS KORESPONDENSI ANALISIS PENGARUH FINTECH ADOPTION TER-HADAP PROFITABILITAS BANK UMUM KONVEN-SIONAL DI INDONESIA. CONTEMPORARY STUDIES IN ECONOMIC, 1. https://doi.org/10.21776/csefb.2022.01.1.02
Mukherjee, A., & Nath, P. (2003). A model of trust in online relationship banking. International Journal of Bank Marketing, 21(1), 5–15. https://doi.org/10.1108/02652320310457767
Rimbawan, Teguh. (2022). Dampak Kebijakan Restrukturisasi Kredit di Masa Pandemi Covid 19 terhadap Kinerja Perbankan di Indonesia. Jurnal Review of Applied Accounting Research. 2(1):11. Rohmawati, A., & Kuntadi, C. (2023). Pengaruh E-Wallet , Mobile Banking , dan E-Money Terhadap Transaksi Bisnis Digital Pasca Covid-19.
Sain, F., & Hayat, A. (n.d.). The Influence of Digital Banking Services on Rentability and Risk Profile of Banks with the Covid-19 Pandemic and Capital as a Moderating Variable. In Jurnal Office: Jurnal Pemikiran Ilmiah dan Pendidikan Administrasi Perkantoran (Vol. 9, Issue 1). http://ojs.unm.ac.id/jo
Suharsono, Riyanto ; Rahmasari, G. P. A. (2016). Jurnal 1. In Pengaruh Pengungkapan Corporate Social Responsibility (CSR) Terhadap Cost of Capital (COC) Dengan Kepemilikan Institusional Sebagai (Vol. 109, Issue 1, pp. 109–119).
Syahputra, A., & Bina Karya Tebing Tinggi, S. (n.d.). ANALYSIS OF THE IMPACT OF THE EXTENSION OF CREDIT RESTRUCTURING ON BANKING SOUNDNESS.
