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All Journal Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah JAKBS
Alya Arianti Nasution
Universitas Islam Negeri Sumatera Utara
Economics, Econometrics & Finance Social Sciences

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Perlindungan Hukum dalam Mengantisipasi dan Menangani Kerugian Nasabah Akibat Scam Melalui Link Phising pada Mobile Banking Indah Tri Sari Harahap; Alya Arianti Nasution; Keisya Putri Balqis; Wahyudin; Nikmah Dalimunthe
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 10 No 5 (2025)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/jms.v10i5.30415

Abstract

With the presence of digital transformation in the financial sector, it makes significant convenience for the community, but adds to cybercrime. One of the threats that often occurs is digital fraud that uses user negligence through fake links that resemble official banking services. This research is intended to examine how legal protection to protect customers and how mechanisms to prevent and handle losses are carried out. The research method used is descriptive qualitative using a literature approach through the study of scientific journals, books, and existing laws. The results of the research show that regulations have regulated the obligations of banks when maintaining system security as well as providing a complaint mechanism for customers. That way, there are still obstacles to the application of legal protection, especially regarding low digital literacy and difficulty of proof. The research conclusion prioritizes the need to strengthen regulations, increase public education, and maximize banking responsibilities. Collaboration between regulators, banking institutions, and the community as the main foundation in shaping security, justice, and continuity in the digital banking system.
Transformasi Digital Perbankan Syariah: Strategi Menjaga Stabilitas Dan Relevansi Di Era Fintech Global Khaidar rahmaini jamila; Adelia Safitri; Alya Arianti Nasution; Indah Tri Sari Harahap
Jurnal Akuntansi Keuangan dan Bisnis Vol. 3 No. 3 (2025): Oktober - Desember
Publisher : CV. ITTC INDONESIA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62379/jakbs.v3i3.3844

Abstract

Advances in digital technology are supporting significant changes in the Islamic banking industry globally. Fintech innovations influence service patterns, business models, and customer expectations for speed and ease of transactions. This study aims to explain the implementation of digitalization in Islamic banking operations, strategies to maintain stability through digital transformation, and its role in maintaining relevance amid global fintech competition. The method used is descriptive qualitative using a literature analysis approach and several documents. The results show that digitalization increases the level of service efficiency, strengthens risk management, and supports product innovation according to sharia principles. Digital transformation also contributes to maintaining financial system stability as well as increasing the reach of service inclusion. These findings confirm the need for a planned and sustainable digital strategy for Islamic banking. This effort encourages competitiveness, public trust, and the application of the Islamic financial industry in the global economic environment dynamically as well as competitively and sustainably in the future.
Co-Authors Adelia Safitri Indah Tri Sari Harahap Keisya Putri Balqis Khaidar Rahmaini Jamila Nikmah Dalimunthe Wahyudin