Claim Missing Document
Check
Articles

Found 1 Documents
Search
Journal : Scripta Economica: Journal of Economics, Management, and Accounting

Transformasi Teknologi Finansial dan Implikasinya terhadap Dinamika Perkembangan Perbankan Syariah di Kawasan Asia Tenggara Muh. Nur; David Christian Engelbert Lisapaly; Ummy Kalsum
Journal of Economics, Management, and Accounting Vol 1 No 2 (2025): November: Scripta Economica: Journal of Economics, Management, and Accounting
Publisher : CV SCRIPTA INTELEKTUAL MANDIRI

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.65310/aa1ma585

Abstract

This study examines the implications of financial technology transformation on the dynamics of Islamic banking development in Southeast Asia using a descriptive-comparative qualitative approach. Secondary data were obtained from industry reports such as Asia Business Outlook, UOB Group, and Asian Banking & Finance, which highlight fintech growth and Islamic financial assets in the ASEAN region. The findings reveal that digitalization through fintech enhances operational efficiency, expands financial inclusion, and strengthens transparency in Islamic finance systems. Islamic banks in Indonesia and Malaysia have pioneered the adoption of technologies such as blockchain and artificial intelligence to maintain compliance with Sharia principles while improving competitiveness. Despite challenges related to regulation, cybersecurity, and human capital readiness, the synergy between digital innovation and Islamic values has reinforced the resilience of the regional Islamic banking sector. This transformation underscores that the future of Islamic banking in Southeast Asia depends on integrating technological efficiency with social justice and the ethical foundations of Islamic finance.
Co-Authors Abbas, Bakhtiar Abdul Hakim Abdul Razak Abdul Razak Adnin, Chaeriah Agustina Dwiyanti Alfino Fathin Z Andi Runis Makkulau Angelina Yenny Ringan Arifuddin Mas'ud Arifuddin Masud Arjang, Arjang Armansyah Armansyah Asraf, Asraf Astriwati, Astriwati Auliana, Sigit Badrudin , Rudy Bakhtiar Abbas Basuki Rakhim Setya Permana David Christian Engelbert Lisapaly Dedy Samsul Arifin Dedy Takdir Syaifuddin Elisabeth Suban Evi Nuraeni Eviyanti Eviyanti, Eviyanti Hardiati Haswindah Limpo Hery Widijanto Hiendrawati Hiendrawati Hiendrawati, Hiendrawati Ibnu Hajar Ibnu Hajar Ijong, Ijong Islami, Inggrid Claudia Ismawati Ismawati Jefri Jefri Judijanto, Loso Khuan, Hendri La Ode Hamida Laode Sahili Mahmud, Irwanto Mahmudin A. Sabilalo Mahmudin A. Sabilalo Makkulau, Andi Runis * Mas'ud, Arifuddin Masitha, Zainab Mas’ud, Arifuddin Mega Wahyuni Meilinda Meilinda Moh. Anwar Mudofar, Mudofar Muh Nur Muh. Nur Muh. Nur Muh. Nur Muhammad Nuzul Qadri Nirmayani Nirmayani Norna Ulfah Sayuti Nur Laila Taslim Nur, Muh. Nur, Syamsir Nurhumaerah, Nurhumaerah Putera, Asrip Rahmatia Rahmatia Rakhim, Basuki RASYID, ERWIN Refi Mulyadi Rezky Woelandari Suryadi Ridwan Rince Tambunan Rizal R. Manullang Rosalia, Olyvia Sabilalo, Mahmudin A. Safarudin Safarudin, Safarudin Sahlan, Fahmi Salleh, Mad Ithnin bin Setya, Basuki Rakhim Shalihah, Mar'atun Sirait, Adjran Siti Fatimah Siti Ulpah Situmorang, Tumpal P. Sri Ayu Pracita Sumail, La Ode Supriaddin, Nofal Susanti, Dian Indah Tambunan, Rince Wahyudiyono, Wahyudiyono wahyuni wahyuni Yamin, Muhamamd Nurul Yuana, Indira YUSNITA YUSNITA Zaman, Habib Nur