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All Journal Indonesian Journal of Islamic Economics and Finance JAKBS
Adelia Safitri
Universitas Islam Negeri Sumatera Utara
Economics, Econometrics & Finance Social Sciences

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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.
Analyzing the Impact of Fintech and Banking Services on Shopee Usage: An Application of the Technology Acceptance Model (TAM) Adelia Safitri; Nuri Aslami; Juliana Nasution
Indonesian Journal of Islamic Economics and Finance Vol. 6 No. 2 (2026)
Publisher : Institut Agama Islam Sunan Giri Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37680/ijief.v6i2.10465

Abstract

The development of digital technology has driven the transformation of payment systems and financial transactions, particularly through digital banking and financial technology (fintech) facilities, resulting in increased e-commerce usage. Drawing upon the Techonology Acceptance Model (TAM) as the theoretical foundation, this study aims to analyze the influence of banking and financial technology (fintech) facilities on Shopee e commerce usage among students of the Faculty of Islamic Economics and Business (FEBI) UIN North Sumatra class of 2022. This study used a quantitative method with a survey approach by distributing questionnaires to 91 respondents selected using a purposive sampling technique. Data were analyzed using multiple linear regression with the help of SPSS software, and validity, reliability, and classical assumption tests were conducted. The findings showed that partially banking and financial technology transaction facilities have a positive and significant influence on Shopee e-commerce usage. Simultaneously, both independent variables also have a significant influence on Shopee e-commerce usage. The coefficient of determination (Adjusted R Square) value of 0.968 indicates that 96.8% of the variation in Shopee e-commerce usage can be explained by banking and financial technology transaction facilities, while the remainder is influenced by other factors outside the study. The key finding reveals that fintech demonstrates a more dominant influence , reflecting higher perceived usefulness and ease of use through seamless platform integration, faster processing, and embedded incentives. The practical implication emphasize the need for banking institutions to enhance mobile banking UX/UI to match e-wallet flexibility, while universities should strengthen Islamic financial literacy programs addressing PayLater usage among students. The theoretical contribution extends the application of TAM in explaining digital payment adoption within Islamic economics contexts.
Co-Authors Alya Arianti Nasution Indah Tri Sari Harahap Juliana Nasution Khaidar Rahmaini Jamila Nuri Aslami