<![CDATA[With the launch of the "Byond by BSI" platform by BSI KC Pamekasan as a post-merger digital solution, this research will examine the challenges of integrating legacy systems with modern fintech technology. Preliminary data shows that the system compatibility level only reached 50%, where 58% of employees reported significant obstacles in the data migration process and operational adaptation, while only 47% of customers were satisfied with the speed and security of digital transactions. The focus of this research is to identify an effective system integration model to overcome these obstacles, so that "Byond by BSI" can increase operational efficiency and meet user expectations in the era of digital disruption. The research problem that is the main topic of discussion in this research is in terms of the phenomology of BSI Bank Financial Technology because in the era of disruption, technology has become the main ingredient in the realization of life. The phenomenon that is seen is BSI Bank's movement in implementing Fintech which is increasingly increasing so that the focus of the research is: 1. How is the Implementation of Financial Technology Post-Sharia Banking Mergers in this era? BSI Bank Disruption Kc. Pamekasan. 2. What is the Impact of the Use of Financial Technology After the Sharia Banking Merger in the Era of Disruption at Bank BSI Kc. Pamekasan. The aim of this research is to find out how the implementation of financial technology at BSI KC bank. Pamekasan and the impact felt by customers. This study uses a qualitative method through a phenomenological approach with data collection sources through interviews, observations, and documentation. While the data analysis used is in the form of data reduction, data presentation and data verification, while the validation of the data, the researcher chooses triangulation techniques. The results of this study The implementation of financial technology after the merger at BSI KC Pamekasan has succeeded in increasing operational efficiency, transaction speed, and customer convenience. Innovative services such as BSI Mobile and the BYON (Build Your Own Needs) feature provide flexibility for customers to customize products according to their needs, support personalization of Islamic banking services and The impact of the use of financial technology after the merger has had a significant impact, including increasing operational efficiency, service speed, and customer experience.]]>
