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All Journal Primanomics : Jurnal Ekonomi & Bisnis Al-Masharif: Jurnal Ilmu Ekonomi dan Keislaman AT-TASYRI' Jurnal Ilmiah Prodi Muamalah AT-TIJARAH: Jurnal Penelitian Keuangan dan Perbankan Syariah J-ISCAN : Journal of Islamic Accounting Research Jurnal Ekonomi, Bisnis dan Manajemen Syarah: Jurnal Hukum Islam dan Ekonomi Journal of Culture Accounting and Auditing Al-Iqtishad Iqtishodiah: Jurnal Ekonomi dan Perbankan Syariah Al-masharif: Jurnal Ilmu Ekonomi dan Keislaman LA RIBA: Jurnal Perbankan Syariah Journal of Management, Accounting, and Administration GLOSSARY Jurnal Wicara Desa
Putri, Juliana
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Religion Agriculture, Biological Sciences & Forestry Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Mathematics Public Health Social Sciences

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Journal : GLOSSARY

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Transformasi Digital Perbankan Syariah di Indonesia: Peluang dan Tantangan dalam Meningkatkan Inklusi Keuangan Syariah Rahmadhani, Cahya Afrida; Putri, Juliana
Glossary : Jurnal Ekonomi Syariah Vol. 3 No. 2 (2025)
Publisher : Sekolah Tinggi Ilmu Syariah (STIS) Ummul Ayman Pidie Jaya, Ace

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52029/gose.v3i2.416

Abstract

Digital transformation has become an essential step in strengthening the competitiveness and outreach of Islamic banking services in Indonesia. Although the number and total assets of Islamic banks continue to grow, their contribution to the overall national banking industry remains relatively small, while the level of Islamic financial literacy and inclusion among the public is still uneven. This situation raises a key question: to what extent can digital transformation enhance Islamic financial inclusion, and what challenges arise in its implementation? This study aims to analyze how digital transformation contributes to improving Islamic financial inclusion in Indonesia and to identify the opportunities and challenges that accompany it, as well as its role in expanding public access to financial services based on sharia principles. Using a qualitative descriptive approach through literature review and analysis of various policies and industry reports, this study examines the opportunities and obstacles in the digitalization of Islamic banking. The findings show that digital transformation creates significant opportunities through the optimization of mobile banking services, Islamic fintech, and integrated digital ecosystems that can reach various layers of society. However, major challenges remain, including low levels of digital and financial literacy, limited technological infrastructure, and the need for stronger regulations and data security. Overall, this study emphasizes that the success of digital transformation in Islamic banking depends greatly on the synergy between industry, regulators, and society in developing a digital financial system that is inclusive, secure, and compliant with sharia principles.
Co-Authors Abror, Haekal Malik Adinegoro, Cahyo Akmaluddin.MS Andriani, Fitria Azzuhra, Dirra I Wayan Sudiarta Iskandar Iskandar M, Nur Sari Dewi Maulana, M.Aril Maya, Maya Manurung Mulyani, Rita Putri, Adinda Rahayu, Sefani Cahyo Auliya Rahmadhani, Cahya Afrida Rahmawati, Rahmawati Ratna Sari Dewi Rindiani, Saptia rivaldi, Ade rivaldi Roendah, Baiq Hildha Aulia Sahara, Nova Nabila sari, Junida selian, gadis ananda Siregar, Dewi Primadona_ Sofian Sauri, Sofian Sopiani, Rani Syaiful . Wibawa, Neorista Anggun Zulaili, Zulaili Zulfa Zulfa Zulfitri, Imran