This result supported by the previous research. The results show that credit, bank capital, and capital structure positively influence the profitability. Multiple regression technique was used in this study to analyze the data. The purposive sampling technique was used in this study to filter the samples according to several criteria such as being public at least in 2008, and publicly released the financial statement from 2008-2013.

Bank has an important role in the economy in Indonesia in 2014. This study aims to analyze the influence of credit, bank capital, capital structure, efficiency and risk toward the profitability in banking industry. This is because the online retirement products strategy in this study is the most important for the company.

The main recommendation given for the object of this research is that BTPN should sell retirement savings products and services through several digital platforms such as creating application software and collaborating with e-commerce to distribute retirement savings products and services. The results of the study show the company that developed a strategy and decision-making process based on reliable knowledge of the needs of the community or banking customers, supported by a variety of innovative ideas and creative and risk-taking more likely to make high-quality strategic decisions. Written documents can be in the form of annual reports, articles and journals. Data collection techniques use documentation study techniques from financial report information and data published by the bank concerned. The research method used is a quantitative method based on secondary data. The expected benefit of this research is to add knowledge to business people in developing business strategies to be able to solve problems related to the performance of leaders and strategic teams. This study aims to review some of latest efforts to develop conceptual and empirical relationships with business competition strategies internally and externally in the bank's performance. The quality of banking services in Indonesia is expected to increase significantly, in order to be able to reach all levels of society and be able to survive in business competition. The digital age created new opportunities and new competitors in the financial industry, marked by the emergence of Financial Technology (Fintech), digital payment, cryptocurrencies and even digital banking.

One sector that experienced this was the financial and banking industry. In this digital era, business competition is becoming increasingly tight and makes every company must improve the quality of their services.

Manajemen perbankan kasmir pdf