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p-Index From 2021 - 2026
0.23
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This Author published in this journals
All Journal Neo Journal of economy and social humanities
Ummi Kaltsum Karunianing Utami
UIN Raden Intan Lampung
Humanities Economics, Econometrics & Finance Social Sciences

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The Evolution of Sharia Non-Compliance Risk (SNC) in the Digital Banking Ecosystem: A Bibliometric Analysis (2020-2026) Palupi Pratiwi; Leni Riski Hayati; Ummi Kaltsum Karunianing Utami; Narada Yudha Satria; Ridwansyah; Wan Ruslan Abdul Ghani
Neo Journal of economy and social humanities Vol 5 No 3 (2026): Neo Journal of Economy and Social Humanities
Publisher : International Publisher (YAPENBI)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56403/nejesh.v5i3.431

Abstract

This study aims to map the intellectual evolution and dynamics of literature on sharia non-compliance risk in the digital banking ecosystem. The method used is bibliometric analysis by extracting data from the Google Scholar database which is then visualized using VOSviewer software to identify trends, novelties, and interconnectedness between variables during the 2020–2026 period. The results of the study indicate the existence of seven main, interconnected discourse clusters, namely: digital transformation and the fintech ecosystem, strategic risk management of SNC, implementation of future technologies (Blockchain and AI), and strengthening digital sharia governance and audits. Key findings indicate that the resilience of sharia compliance in the digital era is greatly influenced by the risk mutation from administrative errors to algorithm-based systemic risks, which requires strengthening automated sharia audits through a Sharia-by-Design approach. The implications of this study provide a strategic foundation for regulators and banking practitioners in mitigating SNC risks through the integration of sharia parameters into information technology infrastructure to face the complexity of real-time transactions in the future.
Co-Authors Leni Riski Hayati Narada Yudha Satria Palupi Pratiwi Ridwansyah Wan Ruslan Abdul Ghani