International Journal of Research and Innovation in Social Science (IJRISS) |Volume VI, Issue IX, September 2022|ISSN 2454-6186
Banking Performance Analysis and Strategies in Dealing with The Development of Digital Banking
Resti Amelia Hakim*, Sri Widyastuti, Derriawan
Postgraduate Directorate, Magister of Management, Pancasila University, Jakarta, Indonesia
*Corresponding author
Abstract: This research is quantitative and aims to understand the influence of quality service, human resources competency, disruption digital, and transformation digital to corporate performance. A population that used to research this is all staff DBS Indonesia with CBG segment. The size sample taken 133 respondents. Technique the determination of sample uses the method of purposive sampling. Analysis techniques used are partial least square. The result of this research showed that (1) quality service has a significant impact on corporate performance with a coefficient value of 0,180. (2) competency SDM has a significant impact on corporate performance with a coefficient value of 0,101. (3) Disruption Digital has a significant impact on corporate performance with a coefficient value of 0,181 (4) transformation digital has a significant impact on corporate performance with a coefficient value of 0,565.
Keywords: Quality Service, Human resources competency, Disruption Digital, Transformation Digital, Corporate Performance.
I. INTRODUCTION
The development of the digital economy in Indonesia is inseparable from the continued growth in the number of internet users in Indonesia.” “Indonesia has a large population (± 264.16 million) with 171.17 million internet users (64.8%) (APJII, 2018) and 355 million cellular users (133%).” Google, Temasek, Bain & Company (2020) estimates that the size of the internet economy in Indonesia in 2025 will reach $124 billion or almost 5% of Indonesia’s Gross Domestic Product, with the e-commerce sector being the largest contributor to the internet economy. The huge potential of the digital economy indicates that digital channels will be increasingly crucial and will become one of the sources of banking growth. According to Vial in Kurniawan Agus et al (2021), Digital transformation is a comprehensive term that describes an organization’s ability to utilize digital technology to improve the efficiency and effectiveness of internal operations and external market offerings.
“According to the Ministry of Communication and Informatics, in 2018 the growth of internet users experienced a very significant increase, where in 2016 it reached 132.7 million people from a total population of 256.2 million and in 2017 it grew to 143.26 million.” This makes Indonesia a target for local and international investors to grow and develop their Information Technology, especially Financial Technology. Along with the rapid development of the digital economy, banks need to accelerate the digitization of their products and services so that they can meet people’s expectations. Investors