• Gusti Dian Prayogi School of Economics Yayasan Palapa Nusantara, Surabaya, Indonesia
  • Ira Ningrum Resmawa School of Economics Yayasan Palapa Nusantara, Surabaya, Indonesia


The last few years Indonesia has entered the technology-based digital era and at this time the world is welcoming the industrial revolution 4.0. This requires banking companies to continue to innovate in carrying out digital transformation. Digital transformation as an organizational change where the implementation involves people, processes, strategies, structures, through the use of technology and business models to improve performance. Industrial Revolution 4.0 business model. Technology-based ones affect the performance of banking companies which are represented by profit dimensions, namely Assets, Equity, ROA and ROI. This study analyses the financial performance of banks according to the CAMEL version of the criteria before and after carrying out technology-based digital transformation with a case study on the 2018 Indonesia Digital Innovation Award-winning Banking. The type of research used is quantitative research with the type of data that is secondary data. The research population is sixteen banks that won the “Indonesia Digital Innovation Award 2018”. Where these banks have implemented digital innovation starting in 2016 so that this study takes the population of the bank's financial statements four years before and four years after implementing digital innovation. The results of the analysis of this research are still in the process of being completed which will be displayed on the full paper


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How to Cite

Prayogi, G. D. ., & Resmawa, . I. N. . (2022). CAMEL BANKING FINANCIAL PERFORMANCE ANALYSIS BEFORE AND AFTER DIGITAL TRANSFORMATION BASED ON TECHNOLOGY (Case Study on Banking that Wins "Indonesia Digital Innovation Award 2018"). International Conference of Business and Social Sciences, 2(1), 405–414. Retrieved from