Financial Performance Transformation of PT Bank Mandiri (Persero) Tbk: A Comparative Analysis Before and After the Use of Livin by Mandiri Mobile Banking

This study aims to compare the financial performance of PT Bank Mandiri (Persero) Tbk before and after the use of Livin by Mandiri. The method used in this study is a quantitative method using secondary data in the form of quarterly financial statements for the three years preceding and following the implementation of the Livin by Mandiri mobile banking service (Livin by Mandiri). Indicators of financial ratios used in this study include: ROA, NIM, BOPO, NPL, and LDR. Sampling technique using saturated sampling method. Hypothesis testing was conducted using the Wilcoxon Signed Rank Test. The results showed a significant difference in financial performance as measured by ROA, BOPO, and NPL before and after the use of mobile banking services (Livin by Mandiri). For financial performance measured by NIM and LDR there is no significant difference before and after the use of mobile banking services (Livin by Mandiri). The results of this study are expected to be a source of information and help in managing the financial performance of PT Bank Mandiri (Persero) Tbk after the use of Livin by Mandiri.