Fintech dan Kinerja Bank Syariah: Apakah Transformasi Digital Meningkatkan Efisiensi?
DOI:
https://doi.org/10.55438/jqim.v5i1.193Keywords:
adopsi fintech, efisiensi bank syariah, BOPO, transformasi digitalAbstract
Transformasi digital melalui adopsi teknologi finansial (fintech) diyakini dapat meningkatkan efisiensi operasional bank syariah. Namun, efektivitas implementasi fintech dalam menurunkan biaya operasional masih menjadi perdebatan, terutama di konteks bank syariah Indonesia. Penelitian ini bertujuan untuk menganalisis pengaruh adopsi fintech terhadap efisiensi operasional bank syariah yang diukur dengan rasio BOPO (Biaya Operasional terhadap Pendapatan Operasional). Metode yang digunakan adalah pendekatan kuantitatif dengan analisis regresi linier berganda, menggunakan data sekunder dari laporan keuangan 14 bank syariah selama periode 2020–2024 dan diolah menggunakan aplikasi EViews 12. Hasil penelitian menunjukkan bahwa fintech berpengaruh positif terhadap BOPO dengan koefisien sebesar 0.0792 dan tingkat signifikansi 10% (p = 0.0617), yang mengindikasikan bahwa adopsi fintech justru berasosiasi dengan peningkatan biaya operasional dalam jangka pendek. Hal ini disebabkan oleh tingginya investasi awal dalam infrastruktur digital dan pelatihan SDM. Temuan ini menyiratkan bahwa strategi digitalisasi perlu diseimbangkan dengan efisiensi biaya dan kesiapan organisasi. Implikasi manajerialnya adalah pentingnya evaluasi menyeluruh terhadap dampak biaya dari adopsi fintech agar tujuan efisiensi bank syariah dapat tercapai secara optimal.
Kata Kunci : Fintech, Efisiensi Bank Syariah, BOPO, Transformasi Digital.
ABSTRACT
Digital transformation through the adoption of financial technology (fintech) is widely expected to improve the operational efficiency of Islamic banks. However, the actual impact of fintech on cost reduction remains debatable, particularly within the context of Islamic banking in Indonesia. This study aims to examine the effect of fintech adoption on the operational efficiency of Islamic banks, measured by the BOPO ratio (Operating Expenses to Operating Income). A quantitative approach was employed using multiple linear regression analysis on secondary data from 14 Islamic banks over the period 2020–2024, processed with EViews version 12. The results show that fintech adoption has a positive effect on BOPO, with a coefficient of 0.0792 and a marginal significance level of 10% (p = 0.0617), indicating that digital initiatives are associated with increased operating costs in the short term. This is likely due to initial investments in digital infrastructure and human resource development. The findings suggest that digital transformation strategies should be aligned with cost control and organizational readiness. The managerial implication is the necessity for a more strategic and selective approach in adopting fintech, ensuring that its implementation contributes effectively to long-term efficiency goals of Islamic banks
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Keywords : Fintech, Islamic Bank Efficiency, BOPO, Digital Transformation
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