How Does the Digital Transformation of Banks Improve Efficiency and Environmental, Social, and Governance Performance?

Yongjie, Zhu; Jin, Shanyue

doi:10.3390/systems11070328

Cited by 15 publications

(7 citation statements)

References 41 publications

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“…In addition to the availability of green products, other factors that encourage the distribution of green loans are the promotion of green education [59] and the quality of human resources [58]. Other research also reveals that digital technology transformation can improve efficiency and encourage improved ESG performance [60]. Primary activities such as credit analysis of ESG affect the credit rating.…”

Section: The Relationship Between Value Chain and Economic Performancementioning

confidence: 99%

Sustainable Value Chain for Sustainable Lending of State-Owned Banks in Indonesia

Manurung,

Siregar,

Fahmi

et al. 2024

Preprint

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Banks have enormous potential in supporting the achievement of sustainable development goals (SDGs) in accordance with their function as financial intermediaries through sustainable lending. However, the average national financing growth for the sustainable business activity category over the past four years is still 12%. The aim of this research is to identify the conditions of sustainable lending at state-owned conventional banks and analyze the influence of the value chain, economic performance and ESG performance on sustainable lending. The research was conducted at state-owned commercial banks in Indonesia. The research utilized a Structural Equation Modeling (SEM). The SEM results of this study describe value chain, ESG performance (environmental, social and governance) and economic performance have direct and positive influences on sustainable lending, of which ESG performance has the biggest influence. As per individual aspect, social orientation gives the biggest contribution toward sustainable lending.

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Section: The Relationship Between Value Chain and Economic Performancementioning

confidence: 99%

Sustainable Value Chain for Sustainable Lending of State-Owned Banks in Indonesia

Manurung,

Siregar,

Fahmi

et al. 2024

Preprint

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“…Dengan meningkatkan efisiensi operasional, bank dapat mengalokasikan sumber daya mereka dengan lebih efektif, meningkatkan daya saing mereka, dan memberikan nilai tambah kepada pemegang saham dan nasabah (Zhu & Jin, 2023). Biaya overhead yang berkurang dan peningkatan produktivitas akan memberikan dampak positif langsung terhadap profitabilitas bank secara keseluruhan (Diener, 2020).…”

Section: Peningkatan Efisiensi Operasionalunclassified

Efektivitas Net Interest Margin dan Loan to Deposit Ratio Terhadap Profitabilitas Perbankan

Hasbi,

Djaniar,

Putri

et al. 2024

Bri

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This research examines the effectiveness of Net Interest Margin (NIM) and Loan to Deposit Ratio (LDR) on banking profitability. The study employs a quantitative approach using financial data from a sample of banks over a specific period. Through regression analysis, the study explores the relationship between NIM, LDR, and profitability indicators such as Return on Assets (ROA) and Return on Equity (ROE). The findings suggest a significant impact of NIM and LDR on banking profitability, indicating that these two factors play crucial roles in determining the financial performance of banks. Moreover, the study contributes to the existing literature by providing empirical evidence regarding the effectiveness of NIM and LDR in influencing bank profitability. Understanding these relationships is essential for bank management, policymakers, and stakeholders in making informed decisions related to financial performance and risk management. The results imply that banks should carefully manage their interest margins and loan-to-deposit ratios to enhance profitability and sustain long-term growth. The study underscores the importance of monitoring NIM and LDR dynamics as part of effective banking management strategies

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“…Therefore, this problem may cause customer behavior that is detrimental to BRI's image and performance due to concerns about increasing negative reviews on social media. Another reason related to choosing the focus of this research is because of problems occurring in the banking industry, including the shift in the increasingly passive role of banks for society due to digitalization and the easier it is for people to carry out self-service to obtain bank products (Osei et al, 2023;Zhu and Jin, 2023). Apart from that, digital transformation also means increasingly tight competition between companies.…”

Section: Perceived Of Risks (X1)mentioning

confidence: 99%

Does Perceived of Risks and Benefits Drive Customers’ Intention to Share Information in Social Media? - Moderating Role of Customer Satisfaction

Hakim

2024

WidyaCipta

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Competition between companies is becoming more focused on the use of digital technology, including in marketing. Therefore, all companies need to understand all the things that can support the success of their marketing strategies, for example, encouraging free-advertising behavior by consumers in various digital media. In particular, this needs to be concerned by BRI (Bank Rakyat Indonesia), which until now is still considered slow in handling cases and customer complaints both offline and online. This study aimed to examine the influence of BRI customers’ perceived of risks and benefits on their intention to share information on social media, as well as the role of their satisfaction in this relationship. This study used a quantitative approach with a positivism paradigm. The data used was 262 data collected from BRI customers from May to August 2023 through an online survey mechanism. The data that has been collected was then analyzed using a moderation model path analysis involving control variables (age group, gender and educational level). Data analysis carried out using the SmartPLS program showed that: a) perceived of risks had a significant and negative effect towards intention to share information, both in the first and second models; b) perceived of benefits had a significant and positive effect towards intention to share information, both in the first and second models, and; c) customer satisfaction was not proven to play a moderating role in the relationship between perceived of risks and benefits toward intention to share information, both in the first and second models.

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How Does the Digital Transformation of Banks Improve Efficiency and Environmental, Social, and Governance Performance?

Cited by 15 publications

References 41 publications

Sustainable Value Chain for Sustainable Lending of State-Owned Banks in Indonesia

Sustainable Value Chain for Sustainable Lending of State-Owned Banks in Indonesia

Efektivitas Net Interest Margin dan Loan to Deposit Ratio Terhadap Profitabilitas Perbankan

Does Perceived of Risks and Benefits Drive Customers’ Intention to Share Information in Social Media? - Moderating Role of Customer Satisfaction

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