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All Journal Analisis: Jurnal Studi Keislaman Al-Iqtishad : Jurnal Ilmu Ekonomi Syariah (Journal of Islamic Economics) ANDHARUPA MUHARRIK: JURNAL DAKWAH DAN SOSIAL Ath Thariq Jurnal Dakwah dan Komunikasi Jurnal Ilmiah Edunomika (JIE) Budapest International Research and Critics Institute-Journal (BIRCI-Journal): Humanities and Social Sciences JENTRE International Journal of Science and Society (IJSOC) JENTRE: Journal of Education, Administration, Training and Religion Maliki Islamic Economics Journal IIJSE Jurnal Ilmiah Syi'ar
Sofyan Rizal, Sofyan
Universitas Nasional Jakarta
Religion Arts Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Materials Science & Nanotechnology Mathematics Social Sciences Other

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Analysis Indonesian Sharia Banks' Readiness to Face the Evolution of Financial Technology-Based Sharia Financial Services in Indonesia Harfian, Muhammad Juang; Amalia, Euis; Terminanto, Ade Ananto; Rizal, Sofyan; Aziz, Roikhan Mochamad; Febriansyah, Febriansyah
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 9 No 1 (2026): Sharia Economics
Publisher : Universitas KH. Abdul Chalim Mojokerto

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Abstract

The purpose of this study is to assess the level of readiness and steps taken by Bank Syariah Indonesia (BSI) in responding to the development of Financial Technology-based financial services. The research method used is descriptive qualitative by collecting data through observation, interviews, and documentation. The results of the study indicate that Bank Syariah Indonesia (BSI) has prepared itself by considering the Slameto concept, which includes aspects of readiness to meet demands and goal motivation as well as physical, mental, and emotional balance. In addition, the study also discusses efforts in building technology to improve employee skills and knowledge, especially in the areas of security, risk, and fraud, which have been achieved through Core System Modernization, Connectivity and Infrastructure, Monitoring and Management of Combined Data, Structure, Business Mentoring, and Internal Improvement, as well as through Unifled Platform & Customer 360 and Digital Expansion & Open Banking. All of this aims to improve employee quality through training to adapt to the digital era, develop human resources, improve security and infrastructure, and expand Bank Syariah Indonesia's (BSI) digital network.
Co-Authors Ainun Zamilah Ali Rahmat Andi Faisal Bakti & Venny Eka Meidasari Anggraini, Zulfa Asyari Hasan, Asyari Atikah Edi Mulyono Euis Amalia Fadillah, Sobari Febriansyah Febriansyah Harfian, Muhammad Juang Husnah, Siti Syavinatul Jaharuddin, Jaharuddin Nur Hidayah Roikhan Mochamad Aziz, Roikhan Mochamad Rr Tini Anggraeni Salam Almuhtasib, Abdul Shafira, Alfina Sunaryanto Syamsuri, Ahmad Rofi Terminanto, Ade Ananto Zulkifli Zulkifli