A Comparative Review of Bank Financial Performance Before and After Implementing Mobile Banking (Case Study on PT. Bank Rakyat Indonesia Tbk.)

Abstract

This study aims to compare the financial performance of Bank BRI before and after implementing Mobile Banking. This study uses data from a period of 5 years before (2014-2019) and 5 years after the implementation of Mobile Banking (2019-2023). Financial performance analysis involves ROA, ROE, EPS, and NPL variables. All variables were normally distributed and could continue testing using paired sample t-test. The study found that there was no significant difference in ROA, ROE, and EPS. This condition was influenced by the Covid-19 pandemic which affected the profitability of banks after the launch of Mobile Banking. However, there was a significant decrease in NPLs after the implementation of Mobile Banking. This indicates an improvement in credit quality supported by the credit restructuring policy implemented by OJK in response to the impact of Covid-19. It can be concluded that while there is no significant impact on ROA, ROE, and EPS after Mobile Banking, there is a significant improvement in credit quality and a decrease in NPL ratio after Mobile Banking.