Inovasi Digital Banking Syariah: Tantangan dan Peluang dalam Ekonomi Digital

Abstract

The rapid development of information technology has had a significant impact on various sectors, including the financial sector. One of the innovations that is now getting more attention is Islamic digital banking, which takes advantage of advances in digital technology to develop banking services that are in accordance with sharia principles. Sharia digital banking not only offers convenience and efficiency for customers, but is also the main driver in financial inclusion efforts, especially for people who were previously unreached by conventional banking services. In the context of the growing digital economy, Islamic banks have a strategic role in supporting inclusive and sustainable economic growth. However, the implementation of digital technology in the Islamic banking sector also faces a number of challenges. Key challenges include the inability of most customers to adapt to new technologies, unclear regulations governing Islamic digital banking, and competition with conventional banks and growing fintechs. This article will examine how Islamic banks can overcome these challenges while taking advantage of the opportunities offered by digitalization to expand service reach, improve operational efficiency, and contribute to the growth of a more inclusive digital economy.