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Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh likuiditas, struktur modal, dan profitabilitas terhadap transformasi digital pada perusahaan perbankan yang terdaftar di Bursa Efek Indonesia periode 2020–2024. Metode penelitian menggunakan pendekatan kuantitatif dengan analisis regresi linier berganda untuk menguji pengaruh parsial maupun simultan variabel independen terhadap transformasi digital. Hasil penelitian menunjukkan bahwa likuiditas (LDR) dan profitabilitas (ROA) berpengaruh positif dan signifikan terhadap transformasi digital, sementara struktur modal (DAR) tidak berpengaruh signifikan. Analisis simultan juga memperlihatkan bahwa gabungan ketiga variabel memberikan pengaruh signifikan terhadap transformasi digital, menegaskan bahwa keberhasilan digitalisasi lebih ditentukan oleh kapasitas internal bank, khususnya likuiditas dan profitabilitas. Penelitian ini menekankan pentingnya pengelolaan modal internal, pemeliharaan likuiditas yang sehat, dan strategi peningkatan profitabilitas sebagai fondasi percepatan transformasi digital. Temuan ini memberikan kontribusi bagi literatur manajemen keuangan dan digitalisasi perbankan serta dapat menjadi panduan bagi regulator dan manajemen bank dalam merancang strategi digitalisasi yang efektif.

Keywords

Liikuiditas Struktur Modal Profitabilitas Transformasi Digital Perbankan

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Ekawati, S., Wilda, & Hadiyanti, S. (2025). Pengaruh Transformasi Keuangan Digital Terhadap Likuiditas, Struktur Modal, dan Profitabilitas Perusahaan Sektor Perbankan Yang Terdaftar di Bursa Efek Indonesia. Economics and Digital Business Review, 7(1), 512–525. Retrieved from https://ojs.stieamkop.ac.id/index.php/ecotal/article/view/3291
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