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Reza Fitriansyah
Institut Teknologi Dan Bisnis Ahmad Dahlan
Agriculture, Biological Sciences & Forestry Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Engineering Industrial & Manufacturing Engineering Social Sciences

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Analisis Dampak AI terhadap Model Bisnis Keuangan Syariah: Pendekatan Teknologi Informasi dan Etika Amrizal, Amrizal; Fitriansyah, Reza; Herlini, Herlini
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 7 No. 3 (2026): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/elmal.v7i3.11136

Abstract

The rapid evolution of information technology, particularly artificial intelligence (AI), has substantially transformed diverse sectors, including Islamic finance. This study aims to explore the impact of AI on Islamic finance business models, focusing on the interplay of technological integration and ethical considerations. Despite being in the early stages of technological adoption, AI demonstrates potential to enhance operational efficiency, minimize human error, and improve customer experiences. Data reveals that the global Islamic finance market reached USD 2.88 trillion in 2021; however, challenges persist in the integration of modern technologies. Employing qualitative research methods, in-depth interviews were conducted with 30 stakeholders in the Islamic finance sector to gather insights into the implications of AI. Findings indicate that AI can bolster risk analysis, personalize service offerings, and ensure compliance with Sharia principles, while raising important ethical and privacy concerns. This research contributes to a deeper understanding of how AI can reinforce Islamic finance business models in the digital age.
Co-Authors Ambardi, Ambardi Amrizal Amrizal Ari Juliana Arif Rizki Baihaqi, Ahmad Fauzan Bayangkari Karno, Adhitio Satyo Chufran, Indra Bakti Denistia, Abu Fadly Deny Kusumayadi Digdoyo, Aji Fardani, Ade Yustio Gaffariastrobar, Gaffariastrobar Heriani Heriani Herlini, Herlini Hermanto Hermanto Hermanto Hermanto Hudaa, Syihaabul Indra Bakti Iwan Setiawan Komala Erwan Madania, Shafwah Mery Noviyanti Muhammad Kadarisman Muslim, Nelly Fadillah Nathasya, Desica Nurul Khasanah, Nurul Sahidah, Alipah SAID . Saputro, Ahmad Eko Septianingrum, Nurul Sestri, Elliya Sestri, Ellya Syati Irawati Syati Irawati Vany Terisia Widi Hastomo Wiratama, Arif