Leveraging Financial Technology Entity into Sustainable Bank Performance through a Competitive Advantage

Sorongan, Fangky Antoneus; Legowo, Mercurius Broto

doi:10.28991/esj-2022-06-01-04

Cited by 9 publications

(9 citation statements)

References 36 publications

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“…Global collective solutions 2 to address these sustainability risks are formalized in the UN Paris Agreement 3 and the UN SDGs. 4 While the Paris Agreement is concerned with environmental risks, the SDG outlined 17 integrated goals with 169 associated targets to form the core of the 2030 agenda for sustainable development globally for all (ICMA, 2020 ). In the recent negotiations, the aim has been extended to 2050 (van Vuuren et al .…”

Section: Introductionmentioning

confidence: 99%

Sustainable financial services: reflection and future perspectives

et al. 2022

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Sustainability transformations in global financial services aimed at addressing sustainability-related risks have been long overdue and are critical for the future development of financial services. The call for sustainability transformations in financial services arose out of the Paris Agreement and the UN Sustainable Development Goal agenda. The financial services sector plays an important role in providing sustainable financial services to nudge sustainability practices among firms and consumers around the world. However, efforts for sustainability transformations among financial service providers are still slow, and little research has been documented in this area. So far, no bibliometric analysis has been conducted in this area as well. Therefore, this research undertakes a comprehensive snooping review of extant sustainable financial services research in order to establish a trend of existing financial services sustainability activities to enhance future research possibilities. Our comprehensive review of the Scopus database was guided by the PRISMA protocols, including PRISMA-P and SPAR-4-SLR. Bibliometric and content analysis approaches were also employed as analytical tools within an analytical framework. This study has also employed Microsoft Excel and the VOSviewer tool in conducting performance and science mapping analyses. After article filtering for “sustainability” was conducted, a total of 103 research documents published between 1991 and 2022 were identified as usable samples, which were critically reviewed and analyzed in this study by means of content analysis. Three major themes were investigated, including— sustainable financial products , sustainable financial services delivery , and sustainable financial services marketing strategies . Our findings show a recent growth in academic publications in the area, but also indicate relatively low financial sustainability activities around the world. This research therefore aims to provide present and future innovative insights on sustainable financial services aimed at stimulating more financial institutions, financial service managers, policy makers, and academic researchers to take more action toward greater sustainability development activities in the financial services sector.

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Section: Introductionmentioning

confidence: 99%

Sustainable financial services: reflection and future perspectives

et al. 2022

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“…Sehingga semakin tinggi literasi keuangan, maka semakin tinggi pula inklusi keuangan UMKM. Hasil penelitian ini didukung oleh penelitian yang dilakukan Subanidja, Sorongan, & Legowo (2022) (Freedman, 2006). Apabila UMKM dapat memanfaatkan fintech dengan baik, maka akan dapat meningkatkan kinerja.…”

Section: Pengaruh Literasi Keuangan Terhadap Inklusi Keuangan Umkm Di...unclassified

Pengujian Model Kinerja Keuangan Pada UMKM Di Kabupaten Buleleng

Candraningsih

Atmadja

Werastuti

2023

JIMAT

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Abstract This research is based on the decline in the financial performance of MSMEs in the Buleleng Regency. This study aimed to empirically prove the effect of financial literacy and financial technology on financial inclusion and its impact on the financial performance of MSMEs in the Buleleng Regency. The sample of this research is MSMEs in Buleleng Regency, which was selected using the purposive sampling method. Data analysis used Structural Equation Modeling-Partial Least Square with the help of SmartPLS Version 3. The results showed that financial literacy and financial technology positively and significantly affected financial inclusion. Financial literacy and financial technology positively and significantly affected financial performance. Financial inclusion had a positive and significant effect on financial performance, and financial inclusion mediates the effect of financial literacy and financial technology on financial performance. Keywords: financial performance; financial inclusion; financial literacy; financial technology.

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“…However, when banks cooperate with fintech, the banking sector will take some advantages. The choice of the banking sector is to take some advantage; collaboration between fintech entities and banks is a must [9]. Furthermore, fintech is different from I.T.…”

Section: -2-financial Technologymentioning

confidence: 99%

“…Furthermore, fintech is different from I.T. Fintech, and banks are different entities [9]. Alt et al (2018) stated that I.T.…”

Section: -2-financial Technologymentioning

confidence: 99%

“…Vergara and Agudo (2021) mentioned many aspects related to sustainable finance and fintech, and fintech allows financial businesses to continue to grow through the promotion of green finance Verg [8]. Subanidja et al (2022) elaborated that fintech and competitive advantage affect performance, and fintech is placed as an independent variable, while competitive advantage is a moderating variable [9]. Not explicitly mentioning sustainable bank performance, Liu et al (2021) analyze C.S.R.…”

Section: -Introductionmentioning

confidence: 99%

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Sustainable Bank Performance Antecedents in the Covid-19 Pandemic Era: A Conceptual Model

Sorongan

Legowo

2022

Emerg Sci J

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The study proposes a conceptual model of sustainable bank performance antecedents in the Covid-19 Pandemic Era. This study uses a qualitative perspective. Data gathering is done using depth interviews with the Indonesian Central Bank, the Authority of Financial Services, and the National Commercial Banks Association members. Using ethnography analysis from interviews, focus group discussions, and previous studies shows that many variables affect the performance. However, the exogenous variable on performance is without precisely placing fintech and regulations as an antecedent. The study results then constructed the fintech and regulations as intervening and moderating variables for the performance, whereas the other variables were as business driver variables. The study's improvement is that fintech and regulations are the main antecedents for the performance during the pandemic. Fintech is not only an entity outside the bank but also an innovation inside the bank. Moreover, the other improvement is that the bank is not only an institution of customer trust but also an institution with a full touch of technology. Consequently, banks must adopt fintech, and cooperating with fintech entities is a wise choice. The study then proposes a conceptual model of sustainable bank performance that connects business drivers, fintech, and regulations. Doi: 10.28991/ESJ-2022-06-04-09 Full Text: PDF

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Leveraging Financial Technology Entity into Sustainable Bank Performance through a Competitive Advantage

Cited by 9 publications

References 36 publications

Sustainable financial services: reflection and future perspectives

Sustainable financial services: reflection and future perspectives

Pengujian Model Kinerja Keuangan Pada UMKM Di Kabupaten Buleleng

Sustainable Bank Performance Antecedents in the Covid-19 Pandemic Era: A Conceptual Model

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