The Influence of Financial Technology on Net Interest Margin With Moderating Ownership Structure

Pristin Prima Sari (), Ardian Prima Putra, Sri Hermuningsih, Johannes Maysan Damanik and Anisya Dewi Rahmawati
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Pristin Prima Sari: Universitas Sarjanawiyata Tamansiswa
Ardian Prima Putra: Universitas Veteran Bangun Nusantara
Sri Hermuningsih: Universitas Sarjanawiyata Tamansiswa
Johannes Maysan Damanik: Universitas Sarjanawiyata Tamansiswa
Anisya Dewi Rahmawati: Universitas Sarjanawiyata Tamansiswa

A chapter in Proceedings of the 2nd International Conference on Management and Business (ICOMB 2023), 2024, pp 139-148 from Springer

Abstract: Abstract The purpose of this study is to study the impact of financial technology or fintech on net interest margin (NIM) using ownership structure as a moderating variable. The method uses a quantitative method. The results include that fintech adoption has a significant negative effect on NIM, ownership structure has a significant negative effect on NIM, ownership structure can positively moderate the effect of fintech adoption on NIM. The benefits of the study are reference materials for investors in the selection of investments related to the adoption of fintech in the banking sector, material that bank management should consider when improving performance, especially NIM and fintech adoption, and materials for the scientific development from fintech to the industry.

Keywords: Fintech; NIM; Ownership Structure; IDX (search for similar items in EconPapers)
Date: 2024
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Persistent link: https://EconPapers.repec.org/RePEc:spr:advbcp:978-94-6463-402-0_16

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DOI: 10.2991/978-94-6463-402-0_16

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