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All Journal Sinkron : Jurnal dan Penelitian Teknik Informatika al-Uqud : Journal of Islamic Economics JURNAL PENELITIAN International Journal of Islamic Business and Economics (IJIBEC) El-Barka: Journal of Islamic Economics and Business Jurnal Ekonomi Syariah, Akuntansi dan Perbankan (JESKaPe) Darmabakti : Junal Pengabdian dan Pemberdayaan Masyarakat Neraca International Journal of Community Service Islamic Business and Finance (IBF) Journal of Islamic Economics Share: Jurnal Ekonomi dan Keuangan Islam CITIZEN: Jurnal Ilmiah Mulitidisiplin Indonesia Journal of Islamic Economics and Finance Jurnal Manajemen dan Perbankan (JUMPA) Journal of Accounting and Digital Finance Neo Journal of economy and social humanities KENDALI: Economics and Social Humanities Sahmiyya: Jurnal Ekonomi dan Bisnis Journal of Islamic Economics and Finance Velocity: Journal of Sharia Finance and Banking DIMASEKA Jurnal Pengabdian Masyarakat Jurnal Hukum Islam Jurnal Social Society International Journal of Islamic Business and Economics (IJIBEC) Nidhomiya: Research Journal of Islamic Philanthropy and Disaster
Tamamudin
UIN K.H. Abdurrahman Wahid Pekalongan
Religion Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Health Professions Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Public Health Social Sciences Other

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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 Ade Dedi Rohayana ADELLA, DESY Ali Muhtarom Anas Hidayat Anas Hidayat Arif Budiharjo Ayatullah Ayatullah, Ayatullah Ayatullah Sadali Desy Prastyani Devy, Happy Sista Fadillah Syaufii, Farah Fatikha, Naeli Firdaus, Muhammad Izzat Hendri Hermawan Adinugraha Hermawan Adinugraha, Hendri Ikawati, Ikawati Izza, M Kamila, Dzakiyya Salma Khusnul Marom M. Sultan Mubarok Machruf, Awalludin Mansur Chadi Mursid Marotina, Nia maulana rizki Mochamad Yusuf Mohammad Rosyada Muhammad Aris Syafi'i Naja, Hilya Nur Istiqomah Palupi, Yuniarsih Endah Perdana, Baratadewa Sakti Rahmah, Hatma Aura Ritanti, Nabila Khoirunnisa rizky andrean Rizqi Toyibah Rohmad Abidin Rohmad Abidin, Rohmad Rosalina, Ulfa Rosyada, Mohammad Rusyida, Wilda Yulia Sadali, Ayatullah Saddam Husein Saddam Husein Samudra, Dio Sejati, Dhimas Ilham Setiawan, Drajat Shinta Dewi Rismawati Sulaiman Helmi Suryo, Ibnu Su’daa, Saniyya Nabila Syakirunni'am, Luqman Tubagus Surur, Achmad Versiandika Yudha Pratama