Digitalisasi perbankan Syariah
Tantangan dalam menjaga keamanan data pribadi nasabah
Abstract
This study examines the challenges faced by Islamic banking in maintaining the security of customers' personal data in the era of digitalization. This research aims to analyze various threats related to customer personal data leakage due to the digitalization of banking services, as well as efforts made by Islamic banks to mitigate these risks. A case study was conducted on Islamic banks in Indonesia using a qualitative approach. The findings show that the main data security threats include cyberattacks, employee negligence, and data mismanagement by banks. For this reason, Islamic banks need to implement various data security policies and technologies, as well as conduct socialization to customers. This aims to maintain customer trust and ensure compliance with personal data protection regulations.
Downloads
References
Arfaizar, J., Ayu, N., Riyanto, F., Yusdani, Y., & Muliadi, S. (2023). Dinamika kontemporer dalam transaksi perbankan syariah dan problematikanya. Wadiah, 7 (2), 163–191. https://doi.org/10.30762/wadiah.v7i2.327.
Asakdiyah, S., Rachmiani., Musafir., & Hasim. (2024). Dampak reputasi, responsifitas, pemberian hadiah, dan rekomendasi terhadap nasabah yang berpindah dari BSI ke bank konvensional. Jurnal EMT KITA, 8(1), 263–272. https://doi.org/10.35870/emt.v8i1.1707.
Ash-Shiddiqy, M. (2023). Analisis perbandingan kinerja keuangan bank syariah dan bank konvensional. Risalah iqtisadiyah: Journal of Sharia Economics, 2(2), 18-25.
Cahyono, D., Fahrudin, R., & Sinclair, A. (2024). Pentingnya edukasi dalam mengatasi keamanan data mobile banking di Indonesia. Jurnal MENTARI: Manajemen, Pendidikan dan Teknologi Informasi, 3(1), 81-89.
Hidayah, A. N., & Kartini, I. A. (2017). Peranan bank syariah dalam sosialisasi dan edukasi masyarakat tentang kemanfaatan produk dan jasa perbankan syariah. Kosmik Hukum, 16(1), 74–86.
Kartika, G., & Segaf, S. (2022). Kombinasi peran model TAM dan CARTER terhadap optimalisasi kepuasan nasabah mobile syariah banking di masa pandemi Covid-19. Jurnal Manajerial, 9(02), 152-167. https://doi.org/10.30587/jurnalmanajerial.v9i02.3969.
Maghfiro, N., & Budianto, E. W. H. (2024). Determinan minat menggunakan layanan digital banking syariah pada generasi z di Kota Malang. Jurnal Dimensi, 13(2), 352-363.
Maisah, M., Sari, S. P., Sudiarni, S., & Ompusunggu, H. P. (2023). Analisis hukum terhadap perlindungan data pribadi nasabah dalam layanan perbankan digital di Indonesia. Aufklarung: Jurnal Pendidikan, Sosial dan Humaniora, 3(3), 285-290.
Marcelliana, V., Zahra, S. M., Adzani, N. N., Massaid, H. N., Badriyyah, N., Benita, R., ... & Bayhaqi, T. A. R. (2023). Penerapan perlindungan konsumen terhadap nasabah PT. Bank Syariah Indonesia dalam kasus kebocoran data nasabah. Deposisi: Jurnal Publikasi Ilmu Hukum, 1(2), 180-194.
Pratama, R. (2018). Penerapan manajemen risiko pada perbankan syariah: Studi kasus pada Bank Muamalat & Bank Syariah Mandiri cabang Kota Ternate. Jurnal Mitra Manajemen, 2(6), 597-609. https://doi.org/10.52160/ejmm.v2i6.162.
Putri, D. F., Sari, W. R., & Nabbila, F. L. (2023). Analisis perlindungan nasabah bsi terhadap kebocoran data dalam menggunakan digital banking. Jurnal Ilmiah Ekonomi dan Manajemen, 1(4), 173-181. https://doi.org/10.61722/jiem.v1i4.331.
Suryawijaya, T. W. E. (2023). Memperkuat keamanan data melalui teknologi blockchain: mengeksplorasi implementasi sukses dalam transformasi digital di Indonesia. Jurnal Studi Kebijakan Publik, 2(1), 55-68. https://doi.org/10.21787/jskp.2.2023.55-68.
Ulhaq, M. Z., & Al Fajar, M. R. (2022). Peluang dan tantangan bank syariah di era digital. J-ESA (Jurnal Ekonomi Syariah), 5(1), 49-61. http://ejournal.iaimbima.ac.id/index.php/jesa.
Yunita, A. R., Sari, S. P., Putri, F. E., Felissia, D. S., Fadhillana, Y. R., & Arizzal, N. Z. (2023, November). Hukum perdata nasional di era digital: Tantangan dan peluang dalam perlindungan data pribadi. In Proceeding of Conference on Law and Social Studies, 4(1).
Copyright (c) 2024 Moh Zaky Fakhrezy
This work is licensed under a Creative Commons Attribution-NonCommercial-ShareAlike 4.0 International License.
- Authors retain copyright and grant the journal right of first publication with the work simultaneously licensed under a Creative Commons Attribution License that allows others to share the work with an acknowledgement of the work’s authorship and initial publication in this journal.
- Authors are able to enter into separate, additional contractual arrangements for the non-exclusive distribution of the journal’s published version of the work (e.g., post it to an institutional repository or publish it in a book), with an acknowledgement of its initial publication in this journal.
- Authors are permitted and encouraged to post their work online (e.g., in institutional repositories or on their website) prior to and during the submission process, as it can lead to productive exchanges, as well as earlier and greater citation of published work.
