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DIGITAL PRODUCT INNOVATION AND FINTECH STRATEGY IN ISLAMIC BANKING: EVIDENCE FOR SUSTAINABLE SERVICE TRANSFORMATION Ahmad Azim Aufaq; Mugiyati Mugiyati
Jurnal Ekonomi Manajemen Bisnis Syariah dan Teknologi Vol. 5 No. 1 (2026): Jurnal Ekonomi, Manajemen Bisnis, Syariah dan Teknologi
Publisher : Yayasan Azam Insan Cendikia

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Abstract

Digital transformation is reshaping Islamic banking, while fintech intensifies competition in financial services. This study aims to analyze the role of fintech strategy in driving digital product innovation and sustainable service transformation in Islamic banking. The sample consists of selected scholarly articles, review papers, and relevant academic publications on Islamic banking, fintech strategy, digital product innovation, and service transformation. This study employs a descriptive qualitative approach using secondary data and qualitative content analysis. The findings indicate that fintech strategy serves as the institutional foundation for digital transformation, while digital product innovation acts as the strategic mechanism that translates digital orientation into customer-facing financial services. The study also finds that sustainable service transformation depends not only on technological readiness, but also on customer acceptance, trust, perceived usefulness, and service quality. In conclusion, sustainable transformation in Islamic banking can be achieved when fintech strategy, digital product innovation, and service transformation are managed as an integrated system.
Co-Authors Abdillah Qadry Azizi Abdillah Qadry Azizi Abdullah Jimly Hasanal Adhim Achmad Fageh Adriani, Siti Kamiliyah Ahmad Agus Hidayat Ahmad Azim Aufaq Al Azroh, Devira Al Faiqoh, Rohmatul Laily Al-fiyah, Tutik Aldi Khusmufa Nur Iman Alif Mujiyana Eka Bella Arif Angga Bayu Saputro Aris Saiful Mizan As-Syafi'i, Royyan Atika, Meilani Fara Basyirah, Luthfiana Charits, Achmad Zuhri Al Danang Purbo Raharjo Dewanty, Megananda Aruna Dina, Dina Anisya R Elnisa Salicha Fadel, Achmad Ghulam Fahrul Ubed Fatkhurrozi, Tanto Fatmasari, Eka Putri Fausi, Ahmat Febriyanti, Inka Ayu Fitri Nur Latifah Habib Hambali, Habib Hasan Hasir Hikmah Muhaimin Hozinul Asror Ika Puspitasari Iman, Tsubutul Iskandar Ritonga Iskandar Ritonga Jaudat Iqbal Harris Johan Johan Juliasari, Diar Eka Junet Andi Setiawan Junet Andi Setiawan Kavil, Moch. Ainol Khoiriyah, Nur ‘Azizatul Khusnia, Nur Lilik Rahmawati Ma'ruf, Amar Marchelia Putri, Sindy Maulana, Safrizal Bangkit Mazidah, Nurul Moh Arifin Muchlisin, Muchammad Chafidz Muhammad Ade Salim Muhammad Raihan Syamil Muhammad Syahrul Hidayat Muhammad, Auwwalu Shuaibu Mursilah, Pembayun Musfiroh, Anita Mustofa, Mustofa Mutitul Choiroh, Ifa Nur Chotami Putra Muslim Nurhayati Nurita Sari Nurul Isnaini Nuur Rasyidah, Alvi Pangestu, Credo Prasetyoadi Pratiwi, Ari Dwi Purwanto, Andi Putri Rahayu, Alfina Putri, Arsyida Alfianti Sa’adah, Tsuroyya Putri Selvina Adhani, Adinda Siska Arie Novita Sri Wigati Suyuthi, Lailatun Nur Syamsul Arifin Tantriana, Deasy Trinil Susilawati Ubed, Fahrul Ulil Absor Faiq Abdillah Umi Qurrotul Aini Walid In'am Ahmad Zidna, Rizka Rahmatllah