ICO EDUSHA
Vol. 6 No. 1 (2025): Proceedings of International Conference On Islam Educationm Management and Shar

Building Digital Trust in Sharia Fintech for Hajj Services

Adlha, Wafiroh Dwi (Unknown)
Novanti, Dwi Retno (Unknown)
Ekaningsih, Lely Ana Ferawati (Unknown)
Ubaidillah (Unknown)



Article Info

Publish Date
15 Jan 2026

Abstract

This study analyzes the role and implementation of Islamic fintech in building digital trust and optimizing Hajj administration processes, using the Muamalat Digital Islamic Network (DIN) application as a case study. Employing a qualitative case study approach at Bank Muamalat's Genteng Sub-Branch Office, data was collected through methodological triangulation, including direct observation, in-depth interviews with the manager, funding staff, customer service representatives, and prospective pilgrims, as well as document analysis. Data were analyzed interactively through stages of data reduction, data display, and conclusion drawing. The Muamalat DIN application successfully builds digital trust through the convergence of Sharia principles (the wadīah yad dhamānah contract and oversight by the Sharia Supervisory Board) with technological transparency. The application functions as a driver of financial and spiritual inclusion by eliminating geographical barriers and facilitating the fulfillment of maqashid sharia, particularly hifzh ad-din (preservation of faith). High adoption rates are driven by perceptions of usefulness and ease of use, reinforced by community-based religious outreach strategies. A transformation in service culture is demonstrated through the synergy between the digital interface and the ethical values (akhlaq) embedded in customer service. The primary challenges identified are reliance on uneven internet infrastructure and system overload during peak periods. The implementation of Islamic fintech in Hajj services through Muamalat DIN represents a successful paradigmatic transformation that harmonizes Sharia compliance, inclusive technological innovation, and ethical service. Its success in building digital trust and facilitating worship establishes it as a significant model for developing value-based Islamic financial services in the digital era. Keywords : Sharia Fintech, Hajj Administration, Digital Trust.

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Journal Info

Abbrev

prd

Publisher

Subject

Religion Humanities Economics, Econometrics & Finance Education Social Sciences Other

Description

Proceedings of Annual Conference for Education Management and Sharia Economics The journal publishes articles of interest to education practitioners, teachers, education policy makers, and researchers. This journal encompasses research articles, original research report, reviews in Islamic education ...