jbm@fe.unpad.ac.id
Dear Dr. Mokhamad Anwar:
We are sorry as we did not attach the article in the previous email.

I believe that you would serve as an excellent reviewer of the manuscript, "FINANCIAL INNOVATION IN CONVENTIONAL BANKING IN INDONESIA," which has been submitted to Jurnal Bisnis dan Manajemen. The submission's abstract is inserted below, and I hope that you will consider undertaking this important task for us.

Please log into the journal web site by 2020-04-16 to indicate whether you will undertake the review or not, as well as to access the submission and to record your review and recommendation.

The review itself is due 2020-04-23.

Submission URL: http://journal.feb.unpad.ac.id/index.php/jbm/reviewer/submission/75?key=ACCESS_KEY

Thank you for considering this request.

Egi Arvian Firmansyah
SINTA ID: 5985700, Universitas Padjadjaran
egi.firmansyah@unpad.ac.id



"FINANCIAL INNOVATION IN CONVENTIONAL BANKING IN INDONESIA"

Abstract

This study aims to examine the relationship between the level of cost efficiency and financial innovation in conventional banks in Indonesia. The data used is panel data from conventional banks during the period 2009-2017. The research method used is the multinomial logit regression method. The dependent variable used is financial innovation consisting of dummy application of ATMs, internet banking, and mobile banking. The explanatory variables used include cost efficiency, bank size, number of branches, bank age, and ownership. The research results show that cost efficiency, bank size, number of branches, and bank age have a significant effect on financial innovation. An efficient bank, a large bank size, a small number of branches, and a young bank age have an influence on financial innovation in conventional banks by providing ATMs, internet and mobile banking. Bank ownership has no significant effect on financial innovation in conventional banks.
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Jurnal Bisnis dan Manajemen
http://journal.feb.unpad.ac.id/index.php/jbm