Published: 2026-04-01

Nilai Transaksi Internet Banking dan Rata-Rata DPK Rumah Tangga di Indonesia: Analisis Jangka Panjang dan Jangka Pendek

DOI: 10.35870/jemsi.v12i2.6037

Ahmad Ilham Abtasuni, Muhamad Abdul Jabbar, Fakhry Ilyas
  • Ahmad Ilham Abtasuni: Universitas Sultan Ageng Tirtayasa
  • Muhamad Abdul Jabbar: Universitas Sultan Ageng Tirtayasa
  • Fakhry Ilyas: Universitas Sultan Ageng Tirtayasa
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Abstract

This This study analyzes the effect of banking digitalization on household savings in Indonesia. Digitalization is measured through the value of internet banking transactions, taking into account economic growth, policy interest rates, and consumer confidence indices as control variables. This study aims to analyze the effect of banking digitalization, proxied by the value of internet banking transactions, on household savings in Indonesia. The method used is a quantitative approach with an Autoregressive Distributed Lag (ARDL) model using quarterly data from the 2015–2024 period. The results show a long-term relationship between digitalization and household savings. Internet banking transaction values have a negative effect on the average household Third Party Funds (DPK), while economic growth and policy interest rates have a significant positive effect. Meanwhile, consumer confidence has a negative effect because increased economic optimism encourages consumption. These findings indicate that banking digitalization accelerates transaction efficiency but can suppress the accumulation of conventional savings. Therefore, banking digital strategies need to be directed to maintain a balance between technological innovation and the function of financial intermediation.


 

Keywords

Internet Banking; Third Party Funds; Economic Growth; Interest Rates; Consumer Confidence Index

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How to Cite

Abtasuni, A. I., Jabbar, M. A., & Ilyas, F. (2026). Nilai Transaksi Internet Banking dan Rata-Rata DPK Rumah Tangga di Indonesia: Analisis Jangka Panjang dan Jangka Pendek. JEMSI (Jurnal Ekonomi, Manajemen, Dan Akuntansi), 12(2), 1165-1181. https://doi.org/10.35870/jemsi.v12i2.6037
Article Information

This article has been peer-reviewed and published in the JEMSI (Jurnal Ekonomi, Manajemen, dan Akuntansi). The content is available under the terms of the Creative Commons Attribution 4.0 International License.

  • Issue: Vol. 12 No. 2 (2026)

  • Section: Articles

  • Published: 2026-04-01

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Author Biographies
Ahmad Ilham Abtasuni, Universitas Sultan Ageng Tirtayasa
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Universitas Sultan Ageng Tirtayasa, Indonesia.

Muhamad Abdul Jabbar, Universitas Sultan Ageng Tirtayasa
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Universitas Sultan Ageng Tirtayasa, Indonesia.

Fakhry Ilyas, Universitas Sultan Ageng Tirtayasa
Google Scholar ResearchGate ORCID

Universitas Sultan Ageng Tirtayasa, Indonesia.

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