Dampak Positif Transformasi Digital terhadap Pendapatan dan Profitabilitas dalam Sektor Perbankan
Downloads
Transformasi digital pada sektor perbankan telah membawa dampak positif signifikan terhadap pendapatan dan profitabilitas bank secara global, namun bukti empiris yang ada masih tersebar, beragam, dan belum memberikan gambaran yang konsisten. Kondisi ini menimbulkan kebutuhan untuk menelaah kembali: sejauh mana dan dalam bentuk apa transformasi digital benar-benar meningkatkan kinerja keuangan bank. Studi ini mengevaluasi dampak positif transformasi digital terhadap pendapatan dan profitabilitas bank, dengan menggunakan pendekatan Systematic Literature Review (SLR). Temuan utama menunjukkan bahwa penerapan teknologi seperti mobile banking, internet banking, artificial intelligence, big data, dan cloud computing berkontribusi signifikan terhadap efisiensi operasional dan peningkatan laba. Dampak positif terlihat di negara maju maupun berkembang, meski ada perbedaan dalam kesiapan infrastruktur dan strategi implementasi. Faktor seperti skala bank, dukungan regulasi, serta kemampuan adopsi teknologi menjadi penentu keberhasilan transformasi. Hasil penelitian ini memberikan landasan empiris dan wawasan strategis bagi manajemen perbankan dan regulator untuk memaksimalkan potensi transformasi digital dalam memperkuat daya saing sektor perbankan dalam era keuangan digital.
Alonge, E. O., Eyo-Udo, N. L., Ubanadu, B. C., Daraojimba, A. I., Balogun, E. D., & Ogunsola, K. O. (2021). Digital transformation in retail banking to enhance customer experience and profitability. ICONIC Research and Engineering Journals, 4(9), 169–176.
Applegate, L. M., Austin, R. D., & Soule, D. L. (2009). Corporate information strategy and management: Text and cases (8th ed.). McGraw-Hill/Irwin.
Atasyadila, H., & Muchlis. (2024). Pengaruh digital banking terhadap profitabilitas dan efisiensi operasional perbankan. Journal of Accounting, Management, and Islamic Economics, 2(2), 469–478.
Bower, J. L., & Christensen, C. M. (1995). Disruptive technologies: Catching the wave. Harvard Business Review, 73(1), 43–53.
Chao, N., Zhou, Y., & Yang, H. (2024). How does digital transformation affect the profitability of rural commercial banks? Heliyon, 10, e29412. https://doi.org/10.1016/j.heliyon.2024.e29412
Citterio, A., King, T., & Locatelli, R. (2024). Is digital transformation profitable for banks? Evidence from Europe. Finance Research Letters, 70, 106269. https://doi.org/10.1016/j.frl.2024.106269
Daeli, E. C., & Wedari, L. K. (2025). Exploring the digital transformation impacts on bank profitability in Indonesia: A textual and sentiment analysis approach. Banks and Bank Systems, 20(1), 271–281. http://dx.doi.org/10.21511/bbs.20(1).2025.22
Das, S. (2017). Banking on disruption: Digitization, FinTech, and the future of retail banking. Clayton Christensen Institute for Disruptive Innovation and Tata Consultancy Services.
Dewi, D. D., & Octrina, F. (2022). Pengaruh era digital terhadap kinerja keuangan perbankan BUMN periode 2013-2020. e-Proceeding of Management, 9(4), 1773.
Diener, F., & Špa?ek, M. (2021). Digital transformation in banking: A managerial perspective on barriers to change. Sustainability, 13(4), 2032. https://doi.org/10.3390/su13042032
Doan, T. D., Pham, H. A. T., Thalassinos, E. I., & Le, H. A. (2022). The impact of digital transformation on performance: Evidence from Vietnamese commercial banks. Journal of Risk and Financial Management, 15(1), 21. https://doi.org/10.3390/jrfm15010021
Finn, T., & Downie, A. Digital transformation in banking. IBM Think. https://www.ibm.com/think/topics/digital-transformation-banking
Gher?escu, C., Manta, A. G., B?dîrcea, R. M., & Manta, L. F. (2024). How does the digitalization strategy affect bank efficiency in Industry 4.0? A bibliometric analysis. Systems, 12(11), 492. https://doi.org/10.3390/systems12110492
Huang, Z. (2023). Research on the impact of digital transformation of commercial banks on profitability. SHS Web of Conferences, 163, 02015. https://doi.org/10.1051/shsconf/202316302015
Jia, K., & Liu, X. (2024). Bank digital transformation, bank competitiveness and systemic risk. Frontiers in Physics, 11, 1297912. https://doi.org/10.3389/fphy.2023.1297912
Nguyen-Thi-Huong, L., Nguyen-Viet, H., Nguyen-Phuong, A., & Nguyen, D. V. (2023). How does digital transformation impact bank performance? Cogent Economics & Finance, 11(1), 2217582. https://doi.org/10.1080/23322039.2023.2217582
Omoge, P., Gala, P., & Horky, A. (2022). Disruptive technology and AI in the banking industry of an emerging market. International Journal of Bank Marketing, 40(2). https://doi.org/10.1108/IJBM-09-2021-0403
Papathomas, A., & Konteos, G. (2024). Financial institutions digital transformation: The stages of the journey and business metrics to follow. Journal of Financial Services Marketing, 29, 590–606. https://doi.org/10.1057/s41264-023-00223-x
Petzold, N., Landinez, L., & Baaken, T. (2019). Disruptive innovation from a process view: A systematic literature review. Creativity and Innovation Management, 28(2), 139–285. https://doi.org/10.1111/caim.12313
Putra, M. A. (2022). Dampak transformasi digital dan kemampuan analisis data besar terhadap profitabilitas bank Indonesia. Journal of Economics, Business, and Accountancy Ventura, 25(2), 135–144. https://doi.org/10.14414/jebav.v25i2.3121
Putri, A. S., & Pangestuti, I. R. D. (2024). Pengaruh layanan digital perbankan terhadap profitabilitas bank umum di Indonesia tahun 2017–2022. Diponegoro Journal of Management, 13(1), 1.
Ranti, B. (2025). Doktrin, Tata Kelola, dan Kepemimpinan Digital dalam Transformasi Digital [Presentasi]. Magister Teknologi Informasi, Universitas Indonesia.
Ren, X., Song, K., Zhu, K., & Yang, X. (2024). Does digital transformation increase bank profit efficiency? Evidence from China. Pacific-Basin Finance Journal, 86, 102388. https://doi.org/10.1016/j.pacfin.2024.102388
Sayari, S. (2024). Driving digital transformation: Analyzing the impact of internet banking on profitability in the Saudi Arabian banking sector. Journal of Risk and Financial Management, 17(5), 174. https://doi.org/10.3390/jrfm17050174
Sayed, E., & Mansour, K. (2023). Impact of digital transformation on banks’ profitability and liquidity in emerging markets: Evidence from Egypt. IUP Journal of Bank Management, 22(1), 5.
Shanti, R., Avianto, W., & Wibowo, W. A. (2022). A systematic review on banking digital transformation. Jurnal Administrare, 9(2), 543–554. https://doi.org/10.26858/ja.v9i2.40584
Shanti, R., Siregar, H., Zulbainarni, N., & Tony. (2023). Role of digital transformation on digital business model banks. Sustainability, 15(23), 16293. https://doi.org/10.3390/su152316293
Yogaswari, D. A., & Diantini, N. N. A. (2024). Pengaruh inovasi digital terhadap kinerja keuangan perbankan di Indonesia. E-Jurnal Ekonomi dan Bisnis Universitas Udayana, 13(9), 1936–1947. https://doi.org/10.24843/EEB.2024.v13.i09.p15
Yu, C. (2025). The impact of digital transformation on the credit scale of commercial banks. Journal of Theory and Practice in Economics and Management, 2(2), 26–34.
Yunita, P. (2021). The digital banking profitability challenges: Are they different between conventional and Islamic banks? Jurnal Akuntansi dan Keuangan Indonesia, 18(1), Article 4. https://doi.org/10.21002/jaki.2021.04
Zarkova, S. (2021). The profitability of the Bulgarian banking system in the context of the digital transformation. Economic Security in the Context of Sustainable Development: Collection of the Online International Scientific-Practical Conference, December 11, 2020, ASEM, Chi?in?u, Moldova (pp. 32–36).
Copyright (c) 2026 Patricia Joanne, Dewanto Soedarno, Benny Ranti
This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.
Authors who publish with this journal agree to the following terms:
- Authors retain copyright and grant the journal right of first publication with the work simultaneously licensed under a Creative Commons Attribution-ShareAlike 4.0 International (CC-BY-SA). that allows others to share the work with an acknowledgement of the work's authorship and initial publication in this journal.
- Authors are able to enter into separate, additional contractual arrangements for the non-exclusive distribution of the journal's published version of the work (e.g., post it to an institutional repository or publish it in a book), with an acknowledgement of its initial publication in this journal.
Authors are permitted and encouraged to post their work online (e.g., in institutional repositories or on their website) prior to and during the submission process, as it can lead to productive exchanges, as well as earlier and greater citation of published work.
