Analisis Literatur Review Dampak Merger Terhadap Efisiensi dan Operasional di Industri Perbankan

Mergers and acquisitions (M&A) have become a primary strategy in the consolidation of the global banking industry, including in Indonesia, to enhance operational efficiency, economies of scale, and competitiveness. However, empirical studies have produced mixed findings. Some studies report reductions in operational costs following mergers, while others indicate that efficiency gains are often delayed or even unrealized due to integration complexities, particularly in information technology,...