Claim Missing Document
Check
Articles

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 A. Muid Fabanyo Abd Azis Muthalib Abd Azis Muthalib Abd. Azis Muthalib Abd. Azis Muthalib Abd. Azis Muthalib Abd. Azis Muthalib Abd. Azis Muthalib Abd. Azis Muthalib Abd. Aziz Muthalib Abdul Hakim Abdul Hakim Abdul Kadir Abdul Razak Abdul Razak Abdul Syaban Abu Bakar Agussalim Agussalim Alfa Sari Ode Rusli Anas Sutrino Andi M. Budhihard Andi M. Budihard Arfin Bagea Arifuddin Mas'ud Aris Aris Arti Afriliani Asraf Asraf Asraf Asraf Asraf Asraf Asraf Asraf Yunus Asrul Jabani Azimah Haji Ali Bakhtiar Abbas Bakhtiar Abbas Bakhtiar Abbas David CE Lisapaly David Christian Engelbert Lisapaly Dedy Takdir Syaifuddin Eka Astiti Kumalasari Eka Sutisna Emma Clark Felipe Souza H. Samdin Hasriani Hasriani Hiendrawati Hiendrawati Ibnu Hajar Indira Yuana Indira Yuana Inggit Prawidya Jemadi Jemadi Jemi Pabisangan Tahirs Jusbair Baheri Kalsum, Ummy Kusman Paluala Kusman Paluala La Ode Hamida La Ode Muhammad Rickhzal Putra Mahmuddin A. Sabilalo Mahmudin A. Sabilalo Mahmudin A. Sabilalo Mufassir Mufassir Muh. Rezky Naim Muhammad Aditya Maryadi Muhammad Nuzul Qadri Muhammad Safrianto Muhammad Syukri Mutiara M Nasrul Nasrul Nasrullah Dalli Nina Anis Nita Hansita Novi Kristiani Saputri Nuralam Nuralam Pasrun Adam Pong Krit Putri Wulandari Rafaela Lima Rahmatia Rahmatia Ratih Primandari, Novegya Revo Adrian Muhaling Reyhan Dzikriansyah Suanrno dzikriansyah Reyhan Dzikriansyah Sunarno Rina Farah Rince Tambunan Rince Tambunan Rince Tambunan Risman Risman Risnawati Yusuf Ruslan Ruslan Sahbin Barqi Sahbin Barqi Samsiar Samsiar Sartika Sartika Shahinur Rahman Shamsul Anwar Siri Lek Suharti Supriaddin, Nofal Supriyadi Supriyadi Suryaningsih Suryaningsih Sutriyati Sutriyati Tinas Saputra Ummy Kalsum Wa Ode Juswati Wahyu Ramadhaning Bekti Wahyuni Rahmah Wahyuni Rahmah Willyam Lakebo Yusuf Jaya Saputra Zarina Zulkifli Zulkifli Zulkifli