Analysis of the Influence of Digital Banks on Bank Profitability

This article aims to present an analysis of the influence digital banks on bank profitability in Indonesia 2013–2021. The research method used is a comparative causal with secondary data from annual reports sample taken purposively that have provided transaction services and gone public results show number transactions form mobile banking (MB) has positive effect by controlling liquidity (LDR). happens because MB are emergency simple smaller limits so large line increasing operational efficiency profitability, Internet does not affect even though it controlled ). IB complex nominal limit per larger than MB, transactions.
 Keywords: Digital Bank; Mobile Banking; Liquidity; Profitability
 
 Abstrak
 Artikel ini bertujuan menyajikan analisis pengaruh dari terhadap profitabilitas di pada tahun Metode penelitian yang digunakan adalah metode kausal komparatif dengan sekunder laporan tahunan sampel diambil secara purposive telah memberikan layanan transaksi dan go Hasil menunjukkan jumlah berupa mobile-banking berpengaruh positif mengontrol likuiditas Hal terjadi karena bersifat darurat simpel pertransaksi lebih kecil sehingga banyak selaras peningkatan efisiensi operasional bank, internet tidak walaupun sudah kompleks besar MB.
 Kata Kunci: Bank Digital; Likuiditas; Profitabilitas