ECOBIZTECH: Journal of Economics, Business, and Technology
Vol. 1 No. 2 (2026): ECOBIZTECH: Journal of Economics, Business, and Technology - September

Digital onboarding as a strategic tool for third-party fund growth in Islamic banking

Dia Nur Avita Sari (Universitas Islam Negeri Sunan Ampel Surabaya, Jawa Timur, Indonesia)
Mugiyati Mugiyati (Universitas Islam Negeri Sunan Ampel Surabaya, Jawa Timur, Indonesia)



Article Info

Publish Date
02 Jun 2026

Abstract

Purpose: to analyze the role of digital onboarding in the growth of third-party funds (TPF) at Bank Syariah Indonesia. Method: this study employs a descriptive qualitative approach using secondary data obtained from Bank Syariah Indonesia's annual reports for the period 2022–2024. Data were collected through documentation techniques and analyzed using data reduction, data presentation, and conclusion drawing to examine the relationship between digital onboarding implementation and TPF's growth. Findings: digital onboarding plays a significant role in supporting TPF's growth at Bank Syariah Indonesia. The implementation of end-to-end digital account opening has contributed to increased mobile banking users, an expanded customer base, and a consistent rise in TPF during the 2022–2024 period. In addition, the bank's market share in the Islamic banking industry has also shown an upward trend, reflecting the effectiveness of digital onboarding as a strategic instrument in strengthening fund mobilization and financial intermediation. Implications: digital onboarding is an effective strategy for strengthening TPF and supporting financial intermediation in Islamic banking through enhanced digital customer acquisition. Originality: lies in its focus on digital onboarding as a specific digital acquisition strategy rather than general digital banking services, and in explaining its role in enhancing TPF within Islamic banking.

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Journal Info

Abbrev

ecobiztech

Publisher

Subject

Description

ECOBIZTECH: Journal of Economics, Business, and Technology, with registration number ISSN 3124-4742 (online), is a scientific journal of economics, business, and technology published by SCM Publishing. This journal discusses issues related to economics and business with a technology base. The ...