Demagogi: Journal of Social Sciences, Economics and Education
Vol. 4 No. 1 (2026): February

International Islamic Banking Strategy In Economic Development In Facing The Challenges of Fintech and Digitalization

Khaidar Rahmaini Jamila (Unknown)
Dian Zahra Syahfitri Lubis (Unknown)
Keisya Putri Balqis (Unknown)
Yabib Fikri Rambe (Unknown)



Article Info

Publish Date
03 Jan 2026

Abstract

The transformation of the global financial system has seen major changes from the increasing use of digital technology in a number of economic activities. Islamic banking at the international level is experiencing a new situation marked by cross-border competition, shifting customer behavior patterns, as well as the need for efficiency, transparency, and innovation in financial products and services. This study aims to analyze international Islamic banking strategies when supporting economic progress including responding to fintech challenges and the advancing stages of digitalization. The research method used is descriptive qualitative using a literature study approach by examining scientific journals, several books, and a number of other references. The results of the analysis show that international Islamic banking can adjust through optimizing digital technology, strengthening business models to adjust some sharia values, and adding strategic partnerships. It is concluded that the success of international Islamic banking in experiencing the digital era is ensured by the ability to maintain a balance of technological innovation and sustainable implementation of sharia principles in its modern global financial system

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Journal Info

Abbrev

i

Publisher

Subject

Religion Humanities Education Law, Crime, Criminology & Criminal Justice Social Sciences

Description

The aim of this journal publication is to disseminate the conceptual thoughts or ideas and research results that have been achieved in the area of Social Sciences, Economics and Education particularly focuses on the main problems in the development of the Social Sciences, Economics and Education ...