Teknologi maklumat, strategi pembezaan dan prestasi kewangan industri perbankan di Indonesia (Information technologies, differentiation strategies and financial performances of Indonesian banking industry)

Abstract

Faktor teknologi maklumat boleh dijadikan strategi bagi meningkatkan produktiviti dan keuntungan sesebuah syarikat dan seterusnya memperbaiki prestasi kewangannya. Kajian ini bertujuan untuk menganalisis kepentingan pengaruh faktor teknologi terhadap strategi pembezaan dan seterusnya prestasi kewangan industri perbankan di Indonesia. Data kajian ini diperolehi melalui kaji selidik. Pemilihan sampel dilakukan secara rawak sehingga diperolehi 39 ibu pejabat syarikat perbankan yang diwakili oleh pengarah utama, pengarah eksekutif dan pengurus. Data dianalisis secara deskriptif. Analisis korelasi matrik dan ujian hipotesis turut dilakukan. Hasil kajian ini menunjukkan bahawa faktor teknologi berpengaruh positif secara signifikan terhadap strategi pembezaan; dan strategi pembezaan berpengaruh positif secara signifikan terhadap prestasi kewangan perbankan Indonesia. Hasil kajian ini mengesyorkan supaya para pembuat keputusan indsutri perbankan di Indonesia memanfaatkan pelbagai bentuk teknologi maklumat bagi meningkatkan prestasi kewangan syarikat mereka.

Katakunci: Indonesia, industri perbankan, keuntungan, prestasi kewangan, strategi perbezaan, teknologi maklumat

Information technologies are external factors that can affect differentiation strategies and financial performance of the banking industry. It may be leveraged to increase the productivity and profitability of a company for improving it’s financial performance. This study analyses the influence of information technological factors on differentiation strategies and financial performance of Indonesia’s banking industry. Data were gathered using a questionnaire survey of directors, executive directors and managers of 39 banking headquarters. Using descriptive analysis and correlation matrix, two hypotheses were tested. The results showed that technological factors positively and significantly influenced the banks’ differentiation strategies; and that differentiation strategies positively and significantly influenced banks’ financial performance in the country. These findings suggest that decision makers in the Indonesian banking industry would do well to make full use of various information technologies to improve their financial performances.

Keywords: banking industry, differentiation strategies, financial performance, Indonesia, information technology,
profitability