Transformasi Digital Industri Perbankan Syariah Indonesia (original) (raw)

Perkembangan Perbankan Syariah DI Era Digitalisasi

IQTISADIE: Journal of Islamic Banking and Shariah Economy

Tujuan dari penelitian ini yaitu untuk mengetahui arus revolusi industri 4.0 mempunyai dampak perubahan yang signifikan dalam teknologi digital. Digitalisasi dapat mempengaruhi berkembangan di berbagai sektor menjadi sangat pesat. Salah satunya dalam sektor ekonomi, Sektor perekonomian mengalami perkembangan yang lebih efisien dan efektif. Maka dari itu dengan berkembangnya teknologi di sektor ekonomi dapat mendorong kita untuk terus selalu berinovasi mengeluarkan produk- produk baru di sektor ekonomi agar tidak tergerus oleh zaman. Bonus Demografis juga harus dimanfaatkan adanya,karena bisa menadi faktor pendorong bagi negara akan perkembangan era yang dibutuhkan nantinya pada masa digitalisasi yang sekarang sebagai tumpuan sistem ekonomi. Perbankan Syariah harus dapat bertransformasi dengan melakukan mengoptimalkan ekosistem dan keuangan syariah, mempunyai keunikan model bisnis yang berdaya saing tinggi, mampu mengintegrasikan fungsi keuangan komersial dan sosial, Sumber Daya Ma...

Kebutuhan transformasi bank digital Indonesia di era revolusi industri 4.0

Fair Value: Jurnal Ilmiah Akuntansi dan Keuangan

The occurrence of the Covid-19 pandemic forced humans to adapt to technology, not least in terms of finance, namely transactions in banking. This study aims to analyze the transformation of the banking industry into a digital bank in providing services to customers. This research is a type of qualitative research using secondary data from reliable literacy. The results of this study indicate that the transformation into a digital bank provides many advantages for banks to be able to continue to survive in running their business. Where digital banks are the choice of customers in transacting in the financial sector because it is easy, fast, and efficient. Transforming into a digital bank can also increase more customers and fee base income for banks because they can collaborate with fintech and e-commerce and can be efficient in managing bank assets which in turn can increase bank profits exponentially. However, in transforming into a digital bank, banks must have a strong foundation...

Digitalisasi Pada Bank Mandiri Syariah DI Tengah Persaingan Dan Perubahan Teknologi

2020

This study aims to analyze the BSM perspective on the phenomenon of the digital banking system in the midst of competition and technological change with the unit of analysis, namely benefits, effects, constraints, and strategies. The approach used is a qualitative approach using a single case study descriptive research method. Data collection through semi-structured interviews with informants representing BSM to describe the BSM perspective on digital banking system phenomena that occur there. In addition to BSM, researchers also interviewed other banks to increase the researchers' reports. The results of perspective research in each unit of analysis indicate that BSM behavior is less aggressive in the application of the digital banking system so as to produce a lower market reach that can reduce their competitiveness. The limitation of this research is that the researchers collected data through branch offices in Surabaya and Sidoarjo so that the data might not be able to repre...

Cetak Biru Transformasi Digital Perbankan

2021

Puji dan syukur kami panjatkan ke hadirat Tuhan Yang Maha Esa, karena berkat limpahan rahmat dan karunia-Nya, Cetak Biru Transformasi Digital Perbankan ini telah selesai kami susun dan dapat kami sajikan kepada para pemangku kepentingan sebagai panduan. Perubahan ekspektasi konsumen Peningkatan kualitas produk dan layanan menggunakan data (data-enhanced products) Kemunculan kemitraan baru dengan financial technology dan big technology companies Perubahan model bisnis dari konvensional menjadi digital Revolusi Industri 4

Peluang dan Tantangan Bank Syariah di Indonesia Dalam Mempertahankan Eksistensi di Era Digital

Al-Kharaj : Jurnal Ekonomi, Keuangan dan Bisnis Syariah, 2023

The purpose of this research is to describe the opportunities and challenges of Islamic banks in maintaining their existence in the digital era. The research method used is literature study, by compiling relevant data which is then analyzed using a descriptive approach. The results of the study show that the digital era has provided very promising opportunities for the advancement of the world of Islamic banking, this is because the majority of Indonesian people are Muslim and are supported by many internet users in Indonesia, then the digital era also makes it easier for Islamic banking to promote its products. In addition, Islamic banking also faces the challenge of having to present qualified and competent human resources, guaranteeing protection for its customers, and the most important challenge in facing this digital era is building Cyber Security that is not easy to hack, skiming and safe from malware attacks. Then, in order to maintain its existence in the digital era, Islamic banking has presented a strategy by innovating digital finance by providing good service to its customers, through digital banking such as phone banking, internet banking, SMS banking, and mobile banking.

Analisis Industri Perbankan Syariah DI Indonesia

The current development of Islamic banking industry in Indonesia is rapidly growing. This article analyzes the Islamic banking industry in Indonesia using Porter's five-forces competitive industry approach. Each of the power industry are discussed. The conclusion indentifies Islamic banking industry conditions that need to be considered.

Perkembangan Industri Perbankan Syariah DI Indonesia : Analisis Peluang Dan Tantangan

MAKSIMUM

Industri Perbankan Syariah memiliki peran yang strategis dalam pembangunan ekonomi rakyat, berkontribusi dalam melakukan transformasi perekonomian pada aktivitas ekonomi produktif, bernilai tambah dan inklusif.Akan tetapi di era financial digital dan tingginya persaingan industri jasa keuangan seperti sekarang ini, perbankan syariah menghadapi berbagai tantangan, terutama berkaitan dengan rendahnya Teknologi Informasi dan Komunikasi (ICT) dan keterbatasan modal. Oleh karena itu industri perbankan syariah harus memanfaatkan berbagai peluang ,yaitu dengan menyediakan inovasi produk berbasis Teknologi Informasi dan Komunikasi (ICT) untuk menyediakan beragam pilihan dan memperluas jangkauan pada masyarakat.Akan tetapi, sampai saat ini ivovasi produk perbankan syariah tersebut masih sangat terbatas. Selain itu, hal lain yang tidak kalah penting untuk mendukung perkembangan Perbankan Syariah di Indonesia adalah dengan memanfaatkan peluang pertumbuhan ekonomi, dan meningkatkan ketersediaa...