REINFORCING INDONESIAN BANKS' EARNINGS STABILITY: A GCG-MODERATED ANALYSIS OF RISK PROFILE, BANK DIGITALIZATION, AND FINTECH P2P LENDING
Crowdfunding has grown rapidly in Indonesia. Fintech P2P lending, as a form of crowdfunding, has influenced bank revenues by reducing operational costs and increasing profit margins, so the presence of fintech P2P lending brings risks that banks need to anticipate. This research aims to analyze the influence of risk profiles, bank digitalization, and fintech P2P lending on bank revenues in Indonesia, with good corporate governance (GCG) as a moderating variable. This quantitative research uses an explanatory approach. The sample for this research is 40 Conventional Commercial Banks listed on the Indonesia Stock Exchange. Data was collected through documentation methods from audited published bank reports. Data analysis was carried out using the SmartPLS method. The results found that Risk Profile had a significant negative effect on Earnings, while Bank Digitalization and Fintech P2P Lending had a positive but not significant effect on Earnings, and Good Corporate Governance moderated the influence of Risk Profile on Earnings, but Good Corporate Governance did not moderate the influence of Bank Digitalization and Fintech P2P Lending towards Earnings.
Risk Profile, Bank Digitalization, Fintech P2P Lending, Earnings, Good Corporate Governance, Bank.