The purpose of this research is to find out and analyze more deeply about how the development of Financial Technology (Fintech) today, how opportunities and threats of Fintech to Conventional Commercial Banks, how competitiveness of Conventional Commercial Banks, how big is the influence of Fintech opportunities on the competitiveness of Conventional Commercial Banks, how big the influence of Fintech's threat to the competitiveness of Conventional Commercial Banks, and how much influence simultaneously the opportunities and threats of Fintech to the competitiveness of Conventional Commercial Banks. This research uses a quantitative approach with descriptive and verification analysis. The number of research samples was 171 people with Fintech service user criteria. This study uses SPSS, developing, and testing hypotheses using AMOS statistics. The research data analysis technique used descriptive analysis using multiple linear regression, and the Method of Successive Interval (MSI). The results of this study are listed in the t-test value column, using the α = 5% level, the results for the fintech opportunity variable can thus be stated that the fintech opportunity does not significantly affect the competitiveness of conventional banks. As for the threat of fintech, it can be explained that the threat of fintech has a significant effect on the competitiveness of conventional banks. The results of the hypothesis are rejected that the threat of fintech does not significantly influence the competitiveness of conventional banks.
Volume 12 | Issue 3
Pages: 97-110
DOI: 10.5373/JARDCS/V12I3/20201171