@thesis{thesis,
		author={Lorensia  Fransisca},
		title ={PENGARUH KEBERADAAN FINANCIAL TECHNOLOGY (FINTECH) TERHADAP KINERJA KEUANGAN PERBANKAN},
		year={2023},
		url={http://eprints.ukmc.ac.id/10851/},
		abstract={This research was conducted with the aim of analyzing the effect of financial 
technology on the financial performance of banks in Indonesia. The population in 
this study are all banking companies in Indonesia that have used fintech. The 
research sample was determined using a purposive sampling technique. The 
sample obtained was 40 banking companies with the period from 2020 to 2022. 
The results of this study indicate that the existence of fintech has no effect on 
banking financial performance in 2020-2022 as measured by ROA.

Keywords: Financial Technology, Financial Performance, ROA.}
		}