PENGARUH TRANSFORMASI DIGITAL DAN INOVASI LAYANAN TERHADAP PROFITABILITAS PERBANKAN NASIONAL
Keywords:
banking profitability, competitive advantage, digital capability, digital transformation, service innovationAbstract
Transformasi digital dan inovasi layanan telah menjadi kapabilitas penting dalam menghadapi perubahan model bisnis perbankan. Penelitian ini bertujuan menganalisis pengaruh transformasi digital dan inovasi layanan terhadap profitabilitas perbankan nasional. Penelitian menggunakan pendekatan kuantitatif eksplanatori dengan data sekunder bank umum nasional dianalisis melalui regresi linear berganda. Hasil penelitian menunjukkan transformasi digital berkontribusi signifikan terhadap peningkatan profitabilitas, sedangkan inovasi layanan belum memberikan pengaruh langsung. Temuan ini memperluas perspektif Resource-Based View dengan menekankan bahwa kapabilitas digital merupakan sumber daya strategis yang menciptakan nilai ekonomi, serta memperluas teori kapabiltas dinamis dalam mengintegrasikan dan mengadaptasi sumber daya digital. Temuan ini memberikan implikasi bagi manajemen bank untuk memprioritaskan penguatan infrastruktur digital, tata kelola data, dan integrasi layanan guna mencapai kinerja yang berkelanjutan
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