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All Journal Al-Masharif: Jurnal Ilmu Ekonomi dan Keislaman Jurnal el-Qanuniy: Jurnal Ilmu-Ilmu Kesyariahan dan Pranata Sosial Journal Of Sharia Banking Jurnal Iqtisaduna J-ESA (Jurnal Ekonomi Syariah) EKONOMIKA SYARIAH : Journal of Economic Studies Journal Of Islamic Social Finance Management Yurisprudentia: Jurnal Hukum Ekonomi JIFTECH: Journal Of Islamic Financial Technology AT-TIJARAH: Journal Islamic Banking and Finance Research Jurnal AL-MAQASID: Jurnal Ilmu Kesyariahan dan Keperdataan Krigan: Journal of Management and Sharia Business Jurnal AL-MAQASID: Jurnal Ilmu Kesyariahan dan Keperdataan Profetik Jurnal Ekonomi Syariah Al-masharif: Jurnal Ilmu Ekonomi dan Keislaman
Nasution, Adanan Murroh
Universitas Islam Negeri Syekh Ali Hasan Ahmad Addary Padangsidimpuan
Religion Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Law, Crime, Criminology & Criminal Justice Library & Information Science Social Sciences Other

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Journal : jiftech journal of islamic financial technology

 1 
The Influence of Digital Banking Transactions and Third-Party Funds on Fee Based Income Sharia Commercial Banks in Indonesia Nofinawati, Nofinawati; Nasution, Adanan Murroh; Panggabean, Apriani
Journal of Islamic Financial Technology Vol 4, No 1 (2025)
Publisher : UIN Syekh Ali Hasan Ahmad Addary Padangsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/jiftech.v4i1.15357

Abstract

The instability of profit-sharing income in Islamic banks, driven by rising non-performing loans, strict regulations, and rapid financial technology development, has encouraged banks to explore alternative income sources such as Fee Based Income (FBI). This study aims to examine the influence of Digital Banking transactions and Third Party Funds (DPK) on Fee Based Income in Islamic Commercial Banks during 2019–2023. A quantitative approach was applied using secondary data from 60 monthly financial reports published by the Financial Services Authority (OJK). The analysis involved descriptive statistics, classical assumption tests, hypothesis testing, multiple linear regression, and the coefficient of determination using SPSS 24. The results show that Digital Banking has no significant partial effect on Fee Based Income, while Third Party Funds have a significant and positive effect. However, both variables jointly influence Fee Based Income significantly. These findings suggest that while digital banking adoption alone may not directly increase service-based income, the availability of third-party funds plays a crucial role. This implies that Islamic banks should optimize fund mobilization and enhance fee-based services to strengthen financial stability.
Digital Financial Transformation and Efficiency in Islamic Banking Systems Nofinawati SEI MA; Adanan Murroh Nasution
Journal of Islamic Financial Technology Vol 4, No 2 (2025)
Publisher : UIN Syekh Ali Hasan Ahmad Addary Padangsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/jiftech.v4i2.18368

Abstract

This article aims to systematically synthesize the relationship between digital financial transformation and efficiency in the Islamic banking system, by assessing how the adoption of digital technologies affects operational performance, sharia compliance, and the expansion of financial inclusion. This study uses an interpretive-constructivist paradigm-based systematic literature review approach to examine empirical and conceptual findings in various cross-border studies. The analysis was carried out on digitalization trends, sharia compliance governance models, as well as efficiency indicators such as Cost-to-Income Ratio, accuracy of customer assessment, transaction speed, profitability, and financial stability. The theoretical framework is enriched by the integration of the Three Lines of Defense and Digital Shariah Compliance Committee models. The literature synthesis shows that digital transformation consistently improves the efficiency of Islamic banks through reducing operational costs, increasing the accuracy of customer assessments, accelerating transactions, increasing customer satisfaction, and expanding access to finance, including for underserved groups. However, significant challenges remain, including digital infrastructure gaps, cybersecurity risks, limited human resources, the complexity of harmonizing technology with sharia principles, and the need for stronger digital governance. The study's main novelty lies in the development of an integrated conceptual framework that explains the multidimensional mechanisms of how digitalization affects operational efficiency and sharia compliance in Islamic banking. This approach fills in the gap of the previous literature that tends to be fragmented, and presents a comprehensive perspective on the role of technology in strengthening the competitiveness of the Islamic finance industry. These findings affirm the importance of strengthening digital governance, improving human resource digital competence, harmonizing regulations across jurisdictions, and modernizing sharia supervision to ensure that digital transformation takes place safely, inclusively, and sustainably. The study provides a theoretical and practical basis for regulators, academics, and industry to design effective digitalization strategies in Islamic banking.Keyword : Digital Financial Transformation, Efficiency, Islamic Banking Systems
Co-Authors Azwar Hamid DEDE RUSLAN Ferdy Kurniawan Hasibuan, Fitriani Hasibuan, Randy Endar Muda Ihdi Aini Marliyah, Marliyah Muhammad Isa Muhammad Isa Nofinawati Nofinawati Nofinawati Nofinawati SEI MA Panggabean, Apriani Rahmadana, Muhammad Fitri Rahmat Husein Lubis Rambe, Fitriyani Reski Amanah Romadhonna Siregar Rukiah Rukiah Sarmiana Batubara Sipahutar, Sindi Rahayu sri sudiarti Utari, Lin Putri Warni Lubis Willy Syarif Yarham, M.