LAN TABUR: JURNAL EKONOMI SYARIAH
Vol. 8 No. 1 (2026): September

Sharia Digital Banking Strategy in Indonesia: Policy Analysis and Implementation in Banking Information Systems

M. Fauzan (UIN Syekh Ali Hasan Ahmad Addary Padangsidimpuan)
Asvika Rani Hutabarat (UIN Syekh Ali Hasan Ahmad Addary Padangsidimpuan)
Leony Suryandini (UIN Syekh Ali Hasan Ahmad Addary Padangsidimpuan)
Muhammad Lathief Ilhamy Nasution (UIN Sumatera Utara Medan)
Wanda Khairun Nasirin (Universitas Teuku Umar)



Article Info

Publish Date
17 Sep 2026

Abstract

The development of digital technology has driven a major transformation in the financial industry, including Islamic banking in Indonesia. This study aims to analyze policy strategies and information system implementation in the development of Islamic digital banking based on the principles of maqasid sharia. The method used is qualitative research with a desk study approach and policy analysis of various literature, regulations, and financial institution reports. The results show that Islamic digital banking has experienced significant growth thanks to the support of government policies through KNEKS, the Financial Services Authority (OJK), and Bank Indonesia. However, major challenges still include low digital literacy among the public, limited technological infrastructure, and the absence of digital Islamic audit guidelines. Therefore, synergy between regulators, industry, and academia is needed to build inclusive, secure, and sustainable digital Islamic governance.

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Journal Info

Abbrev

LT

Publisher

Subject

Economics, Econometrics & Finance

Description

The scope of Lan Tabur: JURNAL EKONOMI SYARIAH are limited to Islamic Economics, Islamic Mangement, Islamic Economics Law, Islamic Banking and Finance, Management zakat, Infaq, Shadaqah, and Waqaf. Islamic Entreprenuership an business, Islamic Economics Thought, Islamic Insurane, and Islamic ...