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All Journal Education and Human Development Journal Abdi Laksana : Jurnal Pengabdian Kepada Masyarakat EKONOMI, KEUANGAN, INVESTASI DAN SYARIAH (EKUITAS) JURNAL BARUNA HORIZON Bureaucracy Journal : Indonesia Journal of Law and Social-Political Governance Innovative: Journal Of Social Science Research Journal of Management and Economics Research Bulletin of Science, Technology and Society
Khayru, Rafadi Khan
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Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Law, Crime, Criminology & Criminal Justice Public Health Social Sciences Other

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Journal : EKONOMI, KEUANGAN, INVESTASI DAN SYARIAH (EKUITAS)

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Analisis Perilaku Konsumen Muslim dalam Penggunaan Layanan Digital Banking Syariah: Studi Literatur Hardyansah, Rommy; Issalillah, Fayola; Darmawan, Didit; Khayru, Rafadi Khan; Arifin, Samsul
Ekonomi, Keuangan, Investasi dan Syariah (EKUITAS) Vol 6 No 1 (2024): August 2024
Publisher : Forum Kerjasama Pendidikan Tinggi (FKPT)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47065/ekuitas.v6i1.5145

Abstract

This study aims to analyze the effect of digital literacy and sharia literacy on the level of adoption of Islamic digital banking services and identify barriers faced by Islamic banking to meet Muslim consumer expectations of product innovation and service security. The approach used is a literature study by reviewing various scientific articles, books, and reports related to the topic. The findings show that digital literacy and sharia literacy are the main factors influencing the adoption of Islamic digital banking services. Digital literacy helps consumers understand technology, while sharia literacy improves understanding of the halalness of financial services. The combination of the two creates stronger trust in Islamic digital banking services. However, there are some significant barriers, such as the low level of digital and sharia literacy among certain communities, technological limitations in Islamic banking, and regulations that do not support innovation. In addition, consumer concerns about the security of digital services and the lack of Islamic financial education reduce consumer confidence. These barriers are exacerbated by the lack of investment in technology development and product innovation in the Islamic banking sector. This study concludes that digital and sharia literacy are essential elements to increase the adoption of Islamic digital banking services. The results of this study provide insights into the importance of overcoming these barriers to support the development of digital Islamic banking services and increase financial inclusion among Muslim consumers.
Co-Authors Abror, Sirojuddin Ahmad Juaini Arif Rachman Putra Bashor, Muhammad Bayhaqi, Hasmi Nur Didit Darmawan Dirgantara, Febrian Djazilan, Syukron El-Yunusi, M. Yusron Maulana Eli Masnawati Evendi, Wakid Halizah, Siti Nur Haniyah Hariani, Mila Imam Subhi, Imam Issalillah, Fayola Kurniawan, Yulius Kusuma, Galih Satria Alit Widi Lee, Abram Scott Majid, Amir Bandar Abdul Mujito Mujito, Mujito Nur Aisyah Nuraini, Reny Nurdiansah, Iszanul Dani Pakpahan, Novritsar Hasitongan Parji Parji Rahayu Mardikaningsih Retnowati, Eli Rommy Hardyansah Saktiawan, Pratolo Samsul Arifin Saputra, Rio Sarwo Waskito Sidqi, Mochammad Hasan Sinambela, Ella Anastasya Suwito Suwito Suyuti, Mahmud Udjari, Hendrianto Uswatun Chasanah Wibowo, Agung Satryo