Abstract
The study uses the Independent Test Analysis approach to calculate the business model bank performance of Indonesian commercial banks, focusing on digital banks. The research uses quarterly reports from 2020 to 2023 to collect secondary data. The study includes Digital Banks in Indonesia, including 4 neo-banks and 14 unit business banks. The results show a significant difference in bank business model performance between unit business banks and neo-banks. The Non-Interest Income (NII) results show no significant difference, but the mean results show a slight difference in performance. The author assumes that unit business banks have a diverse and comprehensive ecosystem in banking activities due to their wider scope of business activities compared to neo-banks.
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