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.