Fintech Analysis of Islamic Bank (original) (raw)

The development of Islamic financial technology (fintech) began with the emergence of technology in the banking world starting from Sharia fintech startups that emerged as a solution to the inability of Islamic banking to handle overloaded customers in offline services so as to enable online customers to use Islamic bank financial technology in accordance with Islamic law so that they are free from conventional technology mechanisms, one of which is fintech in the form of M-banking, which is available at every bank's service institutions. The purpose of this study is to find out how the problems of fintech Islamic banks collect and review all data and sort them out so that they become a unified problem that becomes a complication of all the problems that are happening now. Methods This research is a library research method that is carried out by collecting, evaluating, integrating, and presenting findings from various studies related to certain topics. This research consists of three stages, identifying, evaluating, and interpreting. In developing the initial problem to be investigated, I started by conducting a Study Library Research, the results of this study contained several aspects of service, drawbacks such as declining BPRs and competitive advantages in customer service, the Islamic view of fintech which is related to contemporary fiqh (Qadhaya Mu'ashirah) according to with ijtihad maqasid syariyah I analyzed 3 SWOT fintech security to facilitate access, speed up performance, make facilitators, turn the government towards a green economy. In Fintech has joined with Maqashid Syariah and also has a clear legal umbrella. In the Covid-19 era, the obstacles to the development of sharia fintech are the many illegal fintech companies developing in Indonesia, inadequate infrastructure, low awareness of Islamic finance and the quality of human resources. support is not optimal, digital use. Fintech also uses the legal umbrella of Maqashid Syariah in the Quran and Hadith, key partnerships, key resources, key functions, value proposition, customer segments and relationships, channels, cost structure, revenue streams. This research can be integrated into in sharia fintech startups to increase and optimize the use of sharia fintech.