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Banks have an exclusive intermediary responsibility in maintaining sustainable development and have a demanding position related to digital technology development that requires banks to make adjustments. Technological innovations in financial services (FinTech) are overgrowing at this time. Referring to that, this research intends to examine more deeply the effect of information technology capabilities, business innovation, digital disruption and digital disruption reactions on sustainable banking performance. The object of the research was 54 banks that were categorized as Book I to Book IV Banks based on the decision of the Financial Services Authority (OJK). The sample used was 205 respondents who served as Chief Executive Officer (CEO)/ Chief Financial Officer (CFO) / Chief Technology Officer (CTO) / General Manager / Manager / Vice President. Purposive sampling used to determine the sample and Structural Equation Model (SEM) used for the analytical method. This study indicates that the direct effects of information technology capability and digital disruption reactions have a positive and significant effect on sustainable banking performance, and digital disruption has a positive and significant effect on digital disruption reactions. Only banking business innovation is having no significant effect on sustainable banking performance. While the indirect effect of digital disruption on sustainable banking performance mediated by the reaction to digital disruption shows positive and significant results.
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Wicaksono et al. (2020) studied this question.
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