Analisis Pengaruh Financial Technologi dan Keputusan Investasi terhadap Kinerja Keuangan pada Bank Umum yang Terdaftar di Bursa Efek Indonesia (BEI)

Abstract

Developments in financial technology and rapid investment decisions in the banking sector are the basis for investors' assessments to assess the financial performance  of a company so that it is worthy of being an investment choice, especially in the banking sector. This study uses secondary data, namely: through collecting data on the financial statements of several banks which are the object of research consisting of balance sheets and income statements for 29 commercial banks listed on the IDX, with the 2018-2022 accounting period. The results of the study show that: (1) Financial Technology has an effect on financial performance, The test results show that the beta coefficient value of Fintech on Financial Performance is 0.162 and the t-statistic is 2.258. From these results, the t-statistic is significant because it is > 1.96 with a p value of 0.039 < 0.05 (2) Investment Decisions have an effect on financial performance. The test results show that the beta coefficient value of Investment Decisions on Financial Performance is 0.114 and the t-statistic is 2.433. From these results, the t-statistic is significant because it is > 1.96 and the p value is 0.048 < 0.05.