The Role Of Digital Banking In Taking The Opportunities And Challenges Of Sharia Banks In The Digital Era
Abstract
Rapid technological developments gave birth to digital banking or better known as digital banking. How to prepare Islamic banks in taking opportunities and challenges in the digital era. sharia banking in Tangerang city in facing the digital era. This study uses a qualitative method with a phenomenological approach to find the opportunities and challenges of Islamic banks in the digital banking era. Data collected through observation, interviews, and documentation. The results of this study found that there are opportunities and challenges that faced by Islamic banks in the digital era, namely; 1) the convenience felt after the emergence of digital banking begins with the convenience of transactions without having to go to a direct bank. 2) digital banking is a sharia concept based on Islamic religious teachings which is far from usury. 3) accelerates the activities of Islamic banks in Malay This is the customer. The challenges experienced by Islamic banks in this digital banking era are due to the high level of competition against conventional banks and the delay in internet networks that are always lagging behind
Downloads
References
Aisyah, M. (2018). Islamic Bank Service Quality and Its Impact on Indonesian Customers’ Satisfaction and Loyalty. Al-Iqtishad: Jurnal Ilmu Ekonomi Syariah, 10(2). https://doi.org/10.15408/aiq.v10i2.7135.
Arthantri, D. (2021). The Effect Of Marketing Mix On Students Loyalty Towards Instant Noodles With The Brands of INDOMIE, SEDAP, and ABC With Moderated Variety Seeking. Journal of Management Science (JMAS), 4(3), 83–92. https://doi.org/10.35335/jmas.v4i3.108
Kholis, N. (2020). PERBANKAN DALAM ERA BARU DIGITAL. Economicus, 12(1), 80–88. https://doi.org/10.47860/economicus.v12i1.149
Liaanjani, D., & Sutikno, S. (2021). Restructuring As An Effort To Reduce The Impact Of Problem Financing On Griya Ib Hasanah Produc. Jurnal Keuangan Dan Perbankan (KEBAN), 1(1), 44–51. https://doi.org/10.30656/jkk.v1i1.3969
Lubis, C., Nugroho, L., Fitrijanti, T., & Sukmadilaga, C. (2020). Peluang Pengusaha Mikro dan Kecil (UMK) Menggunakan Layanan Digital Lembaga Keuangan Mikro Syariah. JURNAL AL-QARDH, 5(1), 56–68. https://doi.org/10.23971/jaq.v5i1.1769
Ramadani, M., & Sutikno, S. (2021). Commitment Of Small Business Actors To Shopee Online Consumers. Primanomics: Jurnal Ekonomi & Bisnis, 19(3), 91–100. https://doi.org/10.31253/pe.v19i3.638
Marlina, A., & Humairah, F. (2018). PERAN DIGITAL BANKING DALAM MENINGKATKAN KEPUASAN NASABAH KREDIT (STUDI KASUS PT.BANK TABUNGAN NEGARA SYARIAH). Moneter: Jurnal Keuangan Dan Perbankan, 6(2), 37. https://doi.org/10.32832/moneter.v6i2.2409
Meliana, A. A. (2017). Factors Affecting Customer Satisfaction with Services at Bank Safir Bengkulu City (in terms of product and financing).
Mohamed, H., & Ali, H. (2018). Blockchain, Fintech, and Islamic Finance. De Gruyter. https://doi.org/10.1515/9781547400966
Nainggolan, A. A. (2017). Application of Micro Stall Financing Products at Bank Syariah Mandiri Kc. Pematangsiantar. Universitas Islam Negeri Sumatera Utara.
Nengsih, N. (2015). Peran Perbankan Syariah Dalam Mengimplementasikan Keuangan Inklusif di Indonesia. ETIKONOMI, 14(2). https://doi.org/10.15408/etk.v14i2.2272
Nugroho, L., Hidayah, N., & Badawi, A. (2018). The Islamic Banking, Asset Quality: “Does Financing Segmentation Matters” (Indonesia Evidence). Mediterranean Journal of Social Sciences, 9(5), 221–235. https://doi.org/10.2478/mjss-2018-0154
Prsetyo, T. (2011). Micro Stall Financing Products at Bank Syariah Mandiri Depok Kelapa Dua Branch.
Rafiki, A. (2020). Opportunities and Challenges of Social Media to the Islamic Banks in Indonesia (pp. 227–251). https://doi.org/10.4018/978-1-7998-2257-8.ch011
Rumondang, A., Sudirman, A., Effendy, F., Simarmata, J., & Agustin, T. (2019). Fintech: Inovasi Sistem Keuangan di Era Digital. Yayasan Kita Menulis.
Salam, A. (2018). Inklusi Keuangan Perbankan Syariah Berbasis Digital-Banking: Optimalisasi dan Tantangan. Al-Amwal : Jurnal Ekonomi Dan Perbankan Syari’ah, 10(1), 63. https://doi.org/10.24235/amwal.v10i1.2813
Susilawaty, L., & Nicola, N. (2020). Pengaruh layanan perbankan digital pada kepuasan nasabah perbankan. Jurnal Manajemen Maranatha, 19(2), 179–190. https://doi.org/10.28932/jmm.v19i2.2478
Simbolon, A. (2021). Analysis of Factors Affecting the Amount of Credit Distribution at Credit Unions. Journal of Management Science (JMAS), 4(3), 98–100. https://doi.org/10.35335/jmas.v4i3.110
SULISTYA, A. (2017). THE EFFECT OF MURABAHAH FINANCING, ENTREPRENEURSHIP TRAINING AND BUSINESS EXPERIENCE ON INCREASING INCOME OF MICRO SMALL AND MEDIUM BUSINESS (MSMEs) AT BANK MUAMALAT KCP BLITAR.
Sumarno, S. (2017). The Effect of Financing, Entrepreneurship Training, and Self-Efficacy on Entrepreneurial Intentions of Posdaya Berkah V Kalinyamat Wetan Tegal City. Jurnal Ilmiah Ekonomi Dan Bisnis Unilak, 14(1), 82–87.
Sutikno, S., & Irwani Abdullah, N. (2021). The Impact of Islamic Banks in Financing MSMEs in Serang City. Jurnal Keuangan Dan Perbankan (KEBAN), 1(1), 14–25. https://doi.org/10.30656/jkk.v1i1.3965
Sutikno, S., & Kuruppuarachchi, D. (2021). Finance Technology as a Solution to Get Capital for Small Business Today. Jurnal Keuangan Dan Perbankan (KEBAN), 1(1), 1–13. https://doi.org/10.30656/jkk.v1i1.3964
Sutikno, S., & Suhartini, S. (2020). Prices trategies and promotions which E-Commerce does in sales. Primanomics : Jurnal Ekonomi & Bisnis, 18(3). https://doi.org/10.31253/pe.v18i3.399
