ABSTRAK
Inovasi perbankan terus dikembangkan hingga saat ini salah
satunya layanan digital banking yang diharapkan mampu untuk
meningkatkan profitabilitas perbankan. Penelitian ini bertujuan
untuk mengetahui pengaruh digital banking (Mobile Banking
dan Internet Banking) terhadap profitabilitas Perbankan BUKU
3 yang telah terdaftar di BEI tahun 2018-2022. Sampel pada
penelitian ini dipilih dengan menggunakan purpossive sampling
dan diperoleh 65 data yang telah memenuhi kriteria sampel.
Metode analisis yang digunakan yaitu metode kuantitatif
analisis regresi linear berganda. Hasil penelitian ini secara
parsial menunjukkan bahwa mobile Banking dan internet
banking berpengaruh positif dan signifikan terhadap
profitabilitas. Secara simultan mobile banking dan internet
banking berpengaruh secara signifikan terhadap profitabilitas.
Kata Kunci: Profitabilitas, Digital Banking, Mobile
Banking, Internet Banking.

ABSTRACT
Banking innovations continue to be developed until
now, one of which is digital banking services which are expected
to be able to increase banking profitability. This study aims to
examine the effect of Digital banking (mobile banking and
internet banking) on profitability of commercial banks category
3 listed on the indonesia stock exchange in 2018-2022. The
sample in this study was selected using purposive sampling and
obtained 65 data that met the sample criteria. The analytical
method used is Multiple Linear Regression Analysis. The results
of this study partially show that mobile banking and internet
banking has significant effect on profitability of commercial
banks category 3 listed on the indonesia stock exchange in
2018-2022. Meanwhile, it simultaneously shows that mobile
banking and internet banking have a significant effect on
profitability of commercial banks category 3 listed on the
indonesia stock exchange in 2018-2022.
Keywords : Profitability, digital banking, Internet Banking,
Mobile Banking