Key points are not available for this paper at this time.
This stutdy analyzes the influence of financial technology on profitability in banks Indonesia and Malaysia for the 2017-2022. The influence of financial technology in this research is measured by the frequency of ATM, internet banking, mobile banking and E-Money transactions as independent variables, while bank profitability is measured by return on assets as the dependent variable. The type of data used is quantitative data. The data source used in this research is secondary data in the form of financial reports published on the banking company’s official website. Purposive sampling was used to select five banks in Indonesia as samples. The analysis technique in this research uses Smart PLS 3.0 by analysing the inner model such as the coefficient of determination and hypothesis testing. The research result show that partially, ATM transactions have no effect on ROA in banks Indonesia and Malaysia, internet banking transactions have a positive effect on ROA in banks Indonesia but have no effect on banks in Malaysia, mobile banking transactions have a negative effect on ROA in banks Indonesia and Malaysia, E- Money transactions have no effect on ROA in banks Indonesia but have a significant positive effect on banks in Malaysia. Simultaneously, ATM transactions, internet banking, mobile banking and E-Money influence ROA in banking Indonesia and Malaysia
Laras et al. (Sat,) studied this question.