IMPLEMENTASI FINANCIAL TECHNOLOGY (FINTECH) PADA DEPOSITO DIGITAL BANK NEO COMMERCE (NEOBANK)

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Published Apr 28, 2026
https://doi.org/10.56708/progres.v18i1.520
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Vol 18 No 1 (2026): April

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Yanty Faradillah Siahaan
Fakultas Teknik dan Komputer, Universitas Harapan Medan
Uci Ayuningrum
Fakultas Teknik dan Komputer, Universitas Harapan Medan
Lukman
Fakultas Teknik dan Komputer, Universitas Harapan Medan
Muhammad Raihan Auditya
Fakultas Teknik dan Komputer, Universitas Harapan Medan
Salsabila
Fakultas Teknik dan Komputer, Universitas Harapan Medan

Abstract

Financial Technology (FinTech) transformation has driven a shift in public investment behavior toward digital banking services offering efficiency and transparency. This study aims to analyze the profitability of digital deposit services at Bank Neo Commerce (NeoBank) and map optimal investment strategies for customers. The research employs a quantitative descriptive approach with Time Value of Money (TVM) calculation simulations based on fixed returns across various time intervals. The results indicate that NeoBank's digital deposit system accumulates profits precisely from yearly to hourly intervals, providing more measurable yield certainty compared to conventional banking. Decision Tree analysis recommends this product for investors with conservative to moderate risk profiles who prioritize liquidity and LPS security guarantees. This study concludes that FinTech implementation in digital deposits offers a balance between accessibility, security, and profitability.

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This work is licensed under a Creative Commons Attribution 4.0 International License.

How to Cite
Faradillah Siahaan, Y., Ayuningrum, U., Lukman, Auditya, M. R., & Salsabila. (2026). IMPLEMENTASI FINANCIAL TECHNOLOGY (FINTECH) PADA DEPOSITO DIGITAL BANK NEO COMMERCE (NEOBANK). Jurnal Informatika Progres, 18(1), 54-61. https://doi.org/10.56708/progres.v18i1.520

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