Pentingnya Management Capability Dalam IT Investment dan Marketing Performance Meningkatkan Profitability Perbankan Indonesia Tahun 2019-2022

The existence of a digital bank is very helpful for the community in conducting transactions in the Covid-19 condition where all activities are carried out from home/work from home. Many banks were iplementing digital technology in order to increase the effectiveness and efficiency of banking operations and profitability as well. This study aimed to find out how much banking digitization can increase the marketing of banking products, which in turn will increase their profitability. This study used four variables; IT investment, marketing performance, management capability and profitability, with the moderation regression analysis model. The samples in this study were taken from banks that have digitized since 2019 with 38 units of analysis. The results of the study showed that IT investment and marketing performance affect the profitability of digital banks in Indonesia. Management capability in term of efficiency moderates the effect of IT investment on profitability, but is unable to moderate the effect of marketing performance on profitability.