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All Journal Journal of Digital Business and Management Al-Tasyree: Jurnal Bisnis, Keuangan dan Ekonomi Syariah
Asep Koswara
Institut Agama Islam As-syifa
Religion Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Social Sciences

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Tadlis Digital: Membongkar Arsitektur Manipulasi Dark Pattern E-Commerce Perspektif Etika Bisnis Islam Asep Koswara; Lina Herlina
Al-Tasyree: Jurnal Bisnis, Keuangan dan Ekonomi Syariah Vol. 18 No. 01 (2026): Al-Tasyree: Jurnal Bisnis, Keuangan dan Ekonomi Syariah
Publisher : Prodi Ekonomi Syariah, Fakultas Syariah dan Hukum, Universitas PTIQ Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59833/4rhwb739

Abstract

This study examines the phenomenon of dark patterns in e-commerce as a form of digital interface manipulation that unconsciously influences consumer behavior. The purpose of this research is to reconstruct dark pattern practices from the perspective of Islamic business ethics through the concept of tadlis. The method used is a qualitative approach based on library research with content analysis of literature on digital economics, consumer behavior, and Islamic jurisprudence. The findings show that dark patterns such as urgency manipulation, hidden costs, and scarcity cues create information asymmetry and encourage impulsive consumer decisions. This phenomenon can be reconstructed as a form of digital tadlis because it involves misleading information in transactions. The study confirms that such practices contradict the principles of honesty, justice, and mutual consent in Islamic business ethics. This research contributes conceptually by linking modern digital design with Islamic economic values and provides a foundation for developing more transparent and ethical e-commerce interface design.
Developing Competitive Business Intelligence for Islamic Digital Banking: A Multi-Dimensional Customer Review Analytics Asep Koswara; Muhammad Irfan; Nila Nopianti; Rifki Harsono
Journal of Digital Business and Management Vol. 5 No. 1 (2026): Journal of Digital Business and Management (On Process)
Publisher : LP3M Universitas Putra Bangsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32639/7eb8j756

Abstract

Intensifying competition in Islamic digital banking requires financial institutions to continuously monitor customer experiences and transform them into strategic business intelligence. However, existing evaluation approaches largely rely on isolated indicators, such as application ratings or customer satisfaction, which provide limited insights for competitive benchmarking. This study proposes a Competitive Business Intelligence (CBI) framework to evaluate the competitive performance of Islamic digital banking applications in Indonesia by integrating multidimensional customer review analytics. Using 7,424 Google Play Store reviews from four Islamic digital banking applications, the study identifies key competitive strengths, service weaknesses, and strategic priorities from customers' perspectives. The results indicate that one application consistently demonstrated superior competitive performance, while authentication and login issues represent the most critical barrier to customer experience across applications. Furthermore, digital payment services consistently emerge as the primary competitive strength. The proposed Competitive Business Intelligence Index (CBII) offers a multidimensional benchmarking tool that supports evidence-based strategic decision-making, service innovation, and competitive positioning. This study contributes a practical business intelligence framework that enables Islamic digital banks to leverage customer feedback as a strategic resource for sustainable competitive advantage.
Co-Authors Lina Herlina Muhammad Irfan Nila Nopianti Rifki Harsono