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Nur Istiqomah
Prodi Statistika Jurusan Matematika FMIPA Universitas Brawijaya
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Journal : Journal of Accounting and Digital Finance

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Inovasi ekonomi syariah berbasis digital: Studi kasus penerapan QRIS dan Mobile banking pada BSI KCP Pekalongan Istiqomah, Nur; Tamamudin, Tamamudin; Sadali, Ayatullah
Journal of Accounting and Digital Finance Vol. 5 No. 2 (2025): Journal of Accounting and Digital Finance
Publisher : Nur Science Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53088/jadfi.v5i2.1873

Abstract

The advancement of digital technology has encouraged Islamic financial institutions to innovate in delivering services to the public. One of the innovations implemented is the use of Quick Response Code Indonesian Standard (QRIS) and mobile banking as financial transaction tools that are fast, secure, and compliant with Islamic principles. This study aims to analyze the implementation of QRIS and mobile banking at Bank Syariah Indonesia (BSI) KCP Pekalongan and their contribution to supporting digital-based Islamic economic innovation. This research employs a descriptive qualitative approach using a case study method. Data collection techniques include observation, in-depth interviews, and documentation involving customers and bank staff. The results show that the application of QRIS and mobile banking facilitates customer transactions, accelerates service delivery, and enhances efficiency and transparency in financial processes. These digital innovations also promote Islamic financial inclusion, particularly among micro, small, and medium enterprises (MSMEs) and the younger generation. However, challenges remain, such as low digital literacy and limited network access in some areas. Therefore, continuous education and outreach strategies are essential to maximize the benefits of digital Islamic financial services across all segments of society.
Co-Authors Abdul Karim ADELLA, DESY Adinda, Choirunnisa Adiwijaya, Elang Putri Ahmadi, Muhtar Ali Ajeng, Tendri Alimatul Qibtiyah Ambarwati, Rani Tri Andi Rosdianti Razak, Andi Rosdianti Anif Rizqianti Hariz Ariani Saputri , Chandra Atika, Mery Azkiyatun Salsabila, Nur Chiisai, Ayu Putri Dijan Supramono Eka Yanuarti, Eka Farida Rahmawati Fityan Izza Noor Abidin Florina, Ike Desi Hanim, Lailatul M Hasbullah, Ahsan Heni Pujiastuti Hera Wahyuni Hidayah, Annisa Mustikhatul Hidayatullah, Ahmad Fauzan Hijrah Eko Putro Indah Permata, Dian Ira Paramastri Kartika, Wilda Isna Kwartarini Wahyu Yuniarti Laelia Nurpratiwiningsih, Laelia Lestari, Fiqih Indah Yuni Lutfiyana, Eka M. Noor Rochman Hadjam Mardiningsih Masril Masril Maulidah, Izza MOCHAMMAD THAHA Mubarokah, Nada Adhani Mufidah, Muthmainnatun Muhammad Sukri Mumpuni, Sesya Dias Mursyid Nasiroh, Siti Netania Emilisa Netty Herawati Ni Putu Rizky Arnani NUGROHO HARI PURNOMO Parniati Pertiwi, Adharina Dian Prakosa, Herjuna Ardi Prasetya, R. Imam Budi Putri, Metha Hilmiyana Putri, Novi Mardiani Qadhawijayanti , Suci Rezkiyah Rosyidah Rini, Eka Febry Setia Rini, Hapsari Puspita Rodhiyah Mardhiyyah Rohmah, Nailur Rosidah, Ilmiyatur S Setiadi, S Sadali, Ayatullah Safrizal Safrizal Saminah SATRIYAS ILYAS Septiana, Wiwit Cahya Setiyoko, Didik Tri Setyaningsih Setyaningsih, Setyaningsih Sitania, Fendi Sri Adi Nurhayati, Sri Adi Susilowati, Novi Sutaryono - Syahira, Syarifah Syahriani Syahriani, Syahriani Syatria Adymas Pranajaya Tahir, Hasanuddin Tamamudin Tri Wintolo Apoko Veryliana Purnamasari, Veryliana Vincy, Muhammad Wardah Wardah Yana Yana, Yana Yudho Bawono Yusron Masduki, Yusron Zainal Abidin