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This paper investigates the impacts of financial inclusion, digital finance, and credit risk on bank stability using panel data from 45 Indonesian banks for 2017-2022.Financial inclusion was measured via bank branches and ATMs while digital finance was operationalized as a dummy variable indicating mobile banking provision.Credit risk is measured through Non-Performing Loan to total loan.The Z-score represented bank stability as the dependent variable.Panel regression analysis revealed digital finance adoption significantly improved bank stability.However, financial inclusion and credit risk showed no effects.The paper discusses implications for Indonesian regulators and banks to focus policies and resources toward facilitating digital finance, which enhances stability through improved efficiencies and market reach.
Martanti et al. (Thu,) studied this question.
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