Transformasi Digital Perbankan dan Implikasinya terhadap Fee Based Income: Sebuah Systematic Literature Review
DOI:
https://doi.org/10.66698/jebas.v1i1.58Keywords:
digital banking, fee based income, transformasi perbankan, PRISMA, systematic literature reviewAbstract
Transformasi digital telah mengubah lanskap industri perbankan melalui pergeseran struktur pendapatan dari pendapatan berbasis bunga menuju pendapatan berbasis komisi yang diperoleh melalui layanan digital. Namun demikian, hasil penelitian sebelumnya masih menunjukkan inkonsistensi mengenai kontribusi layanan digital perbankan terhadap peningkatan pendapatan nonbunga bank. Penelitian ini bertujuan mensintesis bukti empiris mengenai hubungan transformasi digital perbankan dengan pertumbuhan fee based income pada industri perbankan. Penelitian menggunakan metode Systematic Literature Review (SLR) dengan mengacu pada pedoman PRISMA 2020. Artikel diperoleh dari berbagai basis data terindeks yang dipublikasikan selama periode 2016–2026 melalui proses identifikasi, penyaringan, kelayakan, dan inklusi. Sebanyak 35 artikel memenuhi kriteria untuk dianalisis secara kualitatif. Hasil penelitian menunjukkan bahwa mobile banking, internet banking, QRIS, ekosistem pembayaran digital, kepercayaan nasabah, infrastruktur teknologi, dan dukungan regulasi memiliki pengaruh positif terhadap peningkatan fee based income. Transaksi mobile banking menjadi determinan yang paling dominan pada sebagian besar penelitian. Kajian ini memberikan kontribusi terhadap pengembangan literatur manajemen keuangan perbankan melalui identifikasi tren penelitian, inkonsistensi empiris, serta peluang penelitian lanjutan mengenai digital banking dan profitabilitas perbankan.
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