AULIA, MONA (2025) PENERAPAN DIGITAL BANKING DALAM MENINGKATKAN FEE BASED INCOME PT. BANK CENTRAL ASIA TBK. PERIODE 2021-2024. D3 thesis, UNIVERSITAS SULTAN AGENG TIRTAYASA.
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Abstract
This study aims to analyze the implementation of digital banking in increasing fee-based income at PT Bank Central Asia Tbk during the period 2021–2024. The rapid development of financial technology has driven the banking sector to continuously innovate through digital banking services that offer convenience, speed, and efficiency in transactions. The implementation of digital banking is expected not only to improve the quality of customer service but also to make a significant contribution to the bank’s fee-based income. This study uses a descriptive quantitative approach by analyzing secondary data obtained from annual financial reports, official company publications, and supporting information related to the utilization of digital banking services during the study period. The results show that digital banking has made a significant contribution to the increase in fee-based income at Bank BCA through its digital services. The increase in fee-based income indicates that the digital transformation carried out by Bank BCA has strengthened the bank’s revenue structure sustainably and added value in its service development strategy and profitability enhancement.The findings of this study are expected to provide constructive input for the management of Bank BCA and the banking industry in general in optimizing the potential of digital banking as a stable and sustainable source of income in the era of digital transformation.
| Item Type: | Thesis (D3) | |||||||||
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| Additional Information: | Penelitian ini bertujuan untuk menganalisis penerapan digital banking dalam meningkatkan fee based income pada PT Bank Central Asia Tbk. Selama periode 2021–2024. Perkembangan teknologi finansial yang pesat mendorong perbankan untuk terus berinovasi melalui layanan digital banking yang menawarkan kemudahan, kecepatan, dan efisiensi dalam bertransaksi. Penerapan digital banking diharapkan tidak hanya meningkatkan kualitas layanan kepada nasabah, tetapi juga memberikan kontribusi signifikan terhadap pendapatan fee based income bank. Penelitian ini menggunakan pendekatan kuantitatif deskriptif dengan menganalisis data sekunder yang diperoleh dari laporan keuangan tahunan, publikasi resmi perusahaan, serta informasi pendukung terkait pemanfaatan layanan digital banking selama periode yang diteliti. Hasil penelitian menunjukkan bahwa digital banking memberikan kontribusi yang signifikan terhadap peningkatan fee based income Bank BCA, dari layanan digital banking. Peningkatan pendapatan fee based income ini menunjukkan bahwa transformasi digital yang dijalankan Bank BCA mampu memperkuat struktur pendapatan secara berkelanjutan, serta memberikan nilai tambah dalam strategi pengembangan layanan dan peningkatan profitabilitas bank.Temuan dalam penelitian ini diharapkan dapat menjadi masukan yang konstruktif bagi manajemen Bank BCA dan industri perbankan pada umumnya dalam mengoptimalkan potensi digital banking sebagai sumber pendapatan yang stabil dan berkelanjutan di era transformasi digital. | |||||||||
| Uncontrolled Keywords: | Digital Banking, Fee Based Income, BCA, Non-Interest Income, Profitability Digital Banking, Fee Based Income, BCA, Profitabilitas, Layanan Perbankan Digital | |||||||||
| Subjects: | H Social Sciences > HG Finance | |||||||||
| Divisions: | 05-Fakultas Ekonomi dan Bisnis 05-Fakultas Ekonomi dan Bisnis > 61406-Program Diploma III Keuangan Perbankan |
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| Depositing User: | Mona Aulia | |||||||||
| Date Deposited: | 03 Sep 2025 02:10 | |||||||||
| Last Modified: | 03 Sep 2025 02:10 | |||||||||
| URI: | http://eprints.untirta.ac.id/id/eprint/53218 |
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