Pengaruh risiko penerapan fintech di perbankan terhadap kinerja perbankan
Info Katalog
File Repositori
Penerbit : FEB - Usakti
Kota Terbit : Jakarta
Tahun Terbit : 2024
Kata Kunci : FinTech; cyber risks; outsourcing risks; operational risks; banks performance
Status Posting : Published
Status : Lengkap
File Repositori
| No. | Nama File | Hal. | Link |
|---|---|---|---|
| 1. | 2024_TS_MAK_123012201022_Halaman-Judul.pdf | ||
| 2. | 2024_TS_MAK_123012201022_Surat-Pernyataan-Revisi-Terakhir.pdf | 1 | |
| 3. | 2024_TS_MAK_123012201022_Surat-Hasil-Similaritas.pdf | 2 | |
| 4. | 2024_TS_MAK_123012201022_Halaman-Pernyataan-Persetujuan-Publikasi-Tugas-Akhir-untuk-Kepentingan-Akademis.pdf | 1 | |
| 5. | 2024_TS_MAK_123012201022_Lembar-Pengesahan.pdf | 4 | |
| 6. | 2024_TS_MAK_123012201022_Pernyataan-Orisinalitas.pdf | 2 | |
| 7. | 2024_TS_MAK_123012201022_Formulir-Persetujuan-Publikasi-Karya-Ilmiah.pdf | 1 | |
| 8. | 2024_TS_MAK_123012201022_Bab-1.pdf | 9 | |
| 9. | 2024_TS_MAK_123012201022_Bab-2.pdf |
|
|
| 10. | 2024_TS_MAK_123012201022_Bab-3.pdf | 8 |
|
| 11. | 2024_TS_MAK_123012201022_Bab-4.pdf |
|
|
| 12. | 2024_TS_MAK_123012201022_Bab-5.pdf | 3 | |
| 13. | 2024_TS_MAK_123012201022_Daftar-Pustaka.pdf | 6 | |
| 14. | 2024_TS_MAK_123012201022_Lampiran.pdf |
|
F Financial technology merupakan istilah yang mengacu pada integrasi keuangan dan teknologi. Dalam implementasinya, FintechIselain memiliki berbagai sisi positif dan peluang yang besar untuk diterapkanIdan dikembangkan ternyataItetap memiliki faktor risiko yang tidak boleh dilupakan. Penelitian ini bertujuan untuk mengetahui apakah risiko fintech yang meliputi risiko siber, outsourcing, dan operasional berpengaruh negatif terhadap kinerja Perbankan dimana Balanced Scorecard digunakan untukImengukur kinerja. Penelitian ini menggunakan metode kuantitatif dengan populasi adalah karyawan Bank yang termasuk BUKU 4 di Indonesia. Sampel dipilih menggunakan metode judgment sampling. Pengumpulan data dilakukan dengan menyebarkan kuesioner dengan responden berjumlah 158 orang. Data diolah menggunakan SmartPLS 3. Hasil penelitian menunjukkan bahwa risiko outsourcing berpengaruh positif dan signifikan terhadap kinerja perbankan dan risiko siber berpengaruh terhadap risiko operasional. Sedangkan risiko siber dan risiko operasional tidak berpengaruh signifikan terhadap kinerja perbankan. Penelitian ini memberikan gambaran jelas bagi pengambil keputusan di perbankan untuk mengidentifikasi sisi gelap mengadopsi FinTech.
F Financial technology is a term that refers to the integration of finance and technology. In its implementation, Fintech, apart from having various positive sides and great opportunities to be implemented and developed, turns out to still have risk factors that should not be forgotten. This research aims to find out whether fintech risks, which include cyber, outsourcing and operational risks, have a negative effect on banking performance, where the Balanced Scorecard is used to measure performance. This research uses quantitative methods with the population being bank employees belonging to BUKU 4 in Indonesia. The sample was selected using the judgment sampling method. Data collection was carried out by distributing questionnaires to 158 respondents. The data was processed using SmartPLS 3. The research results show that outsourcing risk has a positive and significant effect on banking performance and cyber risk has an effect on operational risk. Meanwhile, cyber risk and operational risk do not have a significant effect on banking performance. This research provides a clear picture for decision makers in banking to identify the dark side of adopting FinTech.