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Toto Suharto
Universitas Islam Negeri Raden Mas Said Surakarta
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Journal : el-Jizya: Jurnal Ekonomi Islam

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M-DIN Application Strategy of Bank Muamalat KCP Kuningan in the Era of Bank Digitalization Ghoni, Abdul; Tria Lestari; Toto Suharto; Alvien Septian Haerisma
el-Jizya : Jurnal Ekonomi Islam Vol. 12 No. 1 (2024): el-Jizya : Jurnal Ekonomi Islam
Publisher : Fakultas Ekonomi dan Bisnis Islam (FEBI), Universitas Islam Negeri Prof. K.H. Saifuddin Zuhri Purwokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24090/ej.v12i1.10551

Abstract

In the era of digitalization, the banking sector undergoes significant transformation to meet the increasingly sophisticated and mobile demands of customers. Bank Muamalat, as a leading Islamic bank in Indonesia, is not exempt from the pressure to innovate and adapt to technological changes. This research employs a qualitative method with a case study approach at Bank Muamalat KCP Kuningan. Data is collected through interviews with internal bank informants and customers, as well as direct observations. The research findings indicate that the operational procedures of the M-DIN application at Bank Muamalat are proven to be simple and user-friendly, providing convenience from registration to the creation of Transaction Identification Numbers (TIN). The bank adopts a proactive strategy with innovative features, including aspects of Islamic principles and unique services, demonstrating awareness of technological innovation. Active education provided to customers by bank employees successfully increases user interest in M-DIN. The application is directed to every customer opening an account, resulting in a significant increase in M-DIN adoption by Bank Muamalat.
Co-Authors ., lelah Abdul Ghoni Abdul Kholik Abdul Matin Bin Salman Abdul Rahman Afif Muamar Agung Ilham Prastowo Ahmad Fauzi Akbar, Syuhada Ali Muhksin ALVIEN SEPTIAN HAERISMA Amin, Chusnul Anindya, Vani Annisa Arsya Wardani ARDIANSYAH ARDIANSYAH Arif Pristianto Awan Setiawan Baidi Baidi Dewi Fatmasari Eka Danik Prahastiwi Esa pramila agustin Faqihuddin, Faqihuddin Fathan Fathan Fauzi Ahmad Muda Fauzi Muharom Fauzi Muharrom Fitria Nita Witanti Galih Ismail Abdul Rozaq Al Fadjri Giyoto Haerisma, Alivien Septian Hargiani, Fransisca Xaveria Haryono Saputro Hasanah, Nuning Ikhsan, Shafi’i Imam Makruf Indriani, Luci Islah Islah, Islah Ismudiono, Zaki Rakhmawan Ja'far Assagaf Khuriyah Khuriyah Komalasari, Asni Kusuma, Muh. Thoriq Aziz Lawton, Megan J. Mifedwil Jandra Miftah Miftah, Miftah Muhammad Da'i Muhammad Nanang Qosim Muhammad Rifai Muhammad Rifai Mustaqim, Dede Al Mutalazimah Mutalazimah Nurudin, M. Okti Sri Purwanti Purwanto Puspitasari, Dyah Intan Putra, Dutha Bahari Esa Tyas Kurtubi riri rizqi Rizqi, Wahid Tuftazani Robbianto, Muhammad Sabari Sabari Safira, Safira Sembodo Ardi Widodo Setia Asyanti Sholawati, Yuaffa Siti Zulaekah syaifuddin, muhammad irfan Syamsul Bakri Tria Lestari Tuhfatul Ulya Winarno, Endri Puji