<![CDATA[Digital transformation is reshaping Islamic financial institutions, creating a need to develop technological competencies that remain aligned with Islamic spiritual and ethical values. This study investigates how Bank Syariah Indonesia integrates principles such as taqwā (piety), amānah (trustworthiness), and ‘adl (justice) into the development of human capital in the digital era. Drawing on a qualitative case study design, semi-structured interviews were conducted with eleven managers and analyzed using reflexive thematic analysis. The findings reveal six key themes: the alignment of digital practices with sharia requirements, spiritual intelligence as a guiding work ethos, Islamic leadership and cultural modeling, sharia-driven decision-making and risk governance, sharia-integrated role-based training, and systemic and generational challenges that shape implementation. Collectively, these insights demonstrate that Islamic values are not only embedded in ethical guidelines but also in daily digital workflows, leadership routines, and competency-building structures. The study advances Islamic human resource development (HRD) theory by introducing a Tripartite Islamic Human Capital Model that integrates technical proficiency, ethical reasoning, and spiritual alignment. Practically, the findings emphasize the need for value-embedded HR strategies to support the digital transformation of Islamic financial institutions.]]>
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