The Impact of Financial Technology, Intellectual Capital and Board of Commissioners on Banking Financial Performance

The purpose of this study was to provide empirical evidence regarding the impact of the existence of financial technology, intellectual capital, and the board of commissioners on the financial performance of banks in Indonesia. The method used is quantitative research with secondary data taken from the annual report at idx and the availability of banking fintech applications on google playstore with data collection techniques using purposive sampling. Analysis of the data used is multiple linear regression on SmartPLS4. The population in this study are banking companies that publish annual reports from 2019 to 2021. The results of this study indicate that intellectual capital and independent commissioners have a positive and significant effect on banking financial performance, while financial technology has an insignificant but not significant effect on banking financial performance