An Analysis of Bank Syariah Indonesia Digitalization

Authors

  • Elsa Tiara Universitas Islam Negeri K.H. Abdurrahman Wahid Pekalongan, Indonesia
  • Dliyaudin Achmad Al Azhar University, Egypt
  • Razie Bin Nasarruddin Armag Oil & Gas Academy, Malaysia

DOI:

https://doi.org/10.54045/talaa.v3i1.718

Keywords:

SWOT Analysis, Digitalization, Bank Syariah Indonesia

Abstract

The purpose of this research is to explain how digitalization is happening in Islamic banking, especially Indonesian Islamic Banks. This research method uses a descriptive qualitative approach by describing and analyzing the data obtained. This research model uses character study research that is based on the personality or individual of a character who is considered to have an important role or special event that is written. The results of this research are that Islamic banking, especially Bank Syariah Indonesia, has taken advantage of increasingly sophisticated technological developments by creating digital-based services and products. One of the digital services available at Bank Syariah Indonesia is the BSI Mobile application. BSI Mobile application provides a variety of banking transaction features, including Cardless cash withdrawal service.

References

Adinugraha, H. H. (2021). Digitalisasi Lembaga Keuangan Syariah (H. H. Adinugraha (ed.)). Scientist Publishing. https://www.ptonline.com/articles/how-to-get-better-mfi-results

Azizah, N. (2021). Analisis Dampak Merger Tiga Bank Syariah BUMN Terhadap Nasabah (Studi Kasus Pada Bank Syariah Indonesia KC Cirebon Dr Cipto). Jurnal Ekonomi, 1(2).

Dan, L., Keuangan, I., Aripin, N. T., Fatwa, N., & Hannase, M. (2022). Layanan Digital Bank Syariah Sebagai Faktor Pendorong Indeks. 5, 29–45.

Febrina. (2021). Sejarah Berdirinya Bank Syariah di Indonesia. Detik Finance.

Husna, F. (2020). Wajah Ekonomi 4.0: Perbankan Syari’ah, Peningkatan Daya Saing Dan Strategi Dakwah Islam. Jurnal Kajian Manajemen Dakwah, 3, 59–70. https://doi.org/1010.24014/idarotuna.v3i1.Wajah

Kaur, S. J., Ali, L., Hassan, M. K., & Al-Emran, M. (2021). Adoption of digital banking channels in an emerging economy: exploring the role of in-branch efforts. Journal of Financial Services Marketing, 26(2). https://doi.org/10.1057/s41264-020-00082-w

Mainata, D. (2018). Analytical Tools dan SWOT Analysis Penggunaan M-Banking Perbankan Syariah di Indonesia. Al-Tijary, 3(2), 145. https://doi.org/10.21093/at.v3i2.1131

Mazza Basya, M., & Utami Silfia Ayu, B. (2020). Analisis SWOT dengan Model Importance Performance Analysis (IPA) Pada Layanan Fintech Bank Syariah di Indonesia. El-Qist : Journal of Islamic Economics and Business (JIEB), 10(2). https://doi.org/10.15642/elqist.2020.10.2.179-191

Mohd Akram Laldin, & Fares Djafri. (2019). Islamic Finance in the Digital World: Opportunities and Challenges. In Journal of Islam in Asia (Vol. 16, Issue 3).

Mudrikah, A., & Yafiz, M. (2022). Analisis Efektivitas Sistem Fundrasing Berbasis Digital Banking Pada Lazismu Kota Medan. JURNAL SYNTAX IMPERATIF : Jurnal Ilmu Sosial Dan Pendidikan, 3(1). https://doi.org/10.36418/syntax-imperatif.v3i1.148

Muhammad Rauuf Ramadan. (2021). Merger Bank Syariah dan Pengembangan UMKM di Indonesia. Jurnal Syntax Transformation, 2(6). https://doi.org/10.46799/jst.v2i6.290

Putri, B. P., Fasa, M. I., & Suharto. (2022). Implementasi Analisis Swot Dalam Strategi Pemasaran Pada Pengembangan Perbankan Syariah Di Indonesia. Jurnal Aplikasi Bisnis, 19(2).

Rahmadi, R. (2019). Metode Studi Tokoh Dan Aplikasinya Dalam Penelitian Agama. Al-Banjari : Jurnal Ilmiah Ilmu-Ilmu Keislaman, 18(2). https://doi.org/10.18592/al-banjari.v18i2.2215

Sari, A. C., & Adinugraha, H. H. (2021). Implementation of QRIS-Based Payments Towards the Digitalization of Indonesian MSMEs Arum Candra Sari Hendri Hermawan Adinugraha Abstrak Background The Covid-19 pandemic that occurred in 2019 has become the biggest challenge for every country in the world. EKONOMIKA SYARIAH: Journal of Economic Studies, 5(2).

Satria, A. D., Anita, A., Krismadayanti, K., & Noviarita, H. (2021). Development of Sharia Finance Digitalization Towards Inclusive Finance Within a Sharia Maqashid Framework (Case Study on PT Bank Syariah Indonesia’s BSI Mobile Banking Product). Journal of Islamic Business and Economic Review, 4(2).

Shabri, H., Azlina, N., & Said, M. (2020). Transformasi Digital Industri Perbankan Syariah Indonesia. 3(2).

Utama, A. S. (2021). Digitalisasi Produk Bank Konvensional Dan Bank Syariah Di Indonesia. Jurnal Justisia : Jurnal Ilmu Hukum, Perundang-Undangan Dan Pranata Sosial, 6(2). https://doi.org/10.22373/justisia.v6i2.11532

Vadly Azhar Lubis, M. (2021). Analisis Minat Nasabah pada Penggunaan Aplikasi BSI Mobile dalam Upaya Meningkatkan Loyalitas Pelanggan pada Bank BSI KCP Rantauprapat. Skripsi, 1(1).

Vargo, D., Zhu, L., Benwell, B., & Yan, Z. (2021). Digital technology use during COVID-19 pandemic: A rapid review. In Human Behavior and Emerging Technologies (Vol. 3, Issue 1). https://doi.org/10.1002/hbe2.242

Wu, J., Zhao, J., Qiao, H., Hu, X., & Yang, Y. (2020). The new technologies developed from laser shock processing. Materials, 13(6). https://doi.org/10.3390/ma13061453

Yusuf, M., Adinugraha, H. H., & Abadi, M. T. (2022). the Effect of Marketing Mix, Self-Service Technology, and Digital Banking on Customer Satisfaction At Indonesian Sharia Bank of Pekalongan Pemuda. Journal of Management and Islamic Finance, 2(1), 1–11. https://doi.org/10.22515/jmif.v1i2.4922

Zouari, G., & Abdelhedi, M. (2021). Customer satisfaction in the digital era: evidence from Islamic banking. Journal of Innovation and Entrepreneurship, 10(1). https://doi.org/10.1186/s13731-021-00151-x

Additional Files

Published

2023-06-30

How to Cite

Tiara, E., Achmad, D., & Bin Nasarruddin, R. (2023). An Analysis of Bank Syariah Indonesia Digitalization. Talaa : Journal of Islamic Finance, 3(1), 38–50. https://doi.org/10.54045/talaa.v3i1.718

Issue

Section

Articles