Peran financial technology sebagai inovasi keuangan digital pada perbankan syariah di era society 5.0
Abstract
This article discusses the role of financial technology (fintech) as a digital finance innovation in Islamic banking during the Society 5.0 era. With advancements in digital technology, Islamic banking faces significant opportunities and challenges. Fintech has revolutionized Islamic banking services through mobile banking applications, peer-to-peer lending platforms, and blockchain technology, enabling broader access for customers, especially the younger generation. This innovation not only enhances operational efficiency but also strengthens financial inclusion by facilitating transactions. However, challenges such as data security and compliance with Sharia principles must still be addressed. The article also highlights the importance of digital literacy and flexible regulations to support the development of fintech in Islamic banking. Thus, the collaboration between technology and Sharia principles is key to creating a more inclusive and sustainable financial ecosystem
Downloads
References
A’yun, I., & Dwi Aprilia Putri, S. (2022). Peran Digitalisasi dan Informasi Terhadap Kinerja Perbankan Syariah dalam Perspektif Society 5.0 Di Perekonomian di Indonesia. Journal Islamic Banking, 2(1), 1–10. https://doi.org/10.51675/jib.v2i1.365
Aini, H., Hak, N., & Sumarni, Y. (2024). Analisis SWOT Strategi Pemasaran Produk Perbankan Syariah di Era Society 5 . 0 ( Studi Kasus PT Bank Syariah Indonesia KC Bengkulu S Parman ). 8(2), 1344–1353. https://doi.org/10.33087/ekonomis.v8i2.1786
Amrullah, A. H., & Sri Imaniyati, N. (2022). Pengawasan Otoritas Jasa Keuangan terhadap Praktek Fintech Peer to Peer Lending yang Merugikan Konsumen Jasa Keuangan. Bandung Conference Series: Law Studies, 2(1), 540–548.
Anisah, N., & Crisnata, H. F. (2021). Analisis Tingkat Literasi Keuangan Pengguna Fintech Payment OVO. JAD : Jurnal Riset Akuntansi & Keuangan Dewantara, 4(1), 46–58. https://doi.org/10.26533/jad.v4i1.752
Bahanan, M., & Wahyudi, M. (2023). Analisis Pengaruh Penggunaan Teknologi Blockchain Dalam Transaksi Keuangan Pada Perbankan Syariah. I’Thisom Jurnal Ekonomi Syariah, 2(1), 43–54. https://doi.org/10.55606/religion.v1i6.830%0Ahttps://dspace.uii.ac.id/handle/123456789/46344%0Ahttps://dspace.uii.ac.id/bitstream/handle/123456789/46344/16421182.pdf?sequence=1&isAllowed=y%0Ahttps://www.ojs.amikom.ac.id/index.php/semnasteknomedia/article/
Fahmi Makraja, & Abdul Mujib. (2023). Analisis Crowdfunding Syariah Berdasarkan Prinsip Syariah Compliance Serta Penerapannya Pada Produk Perbankan Syariah. Mu’amalat: Jurnal Kajian Hukum Ekonomi Syariah, 15(2), 87–98. https://doi.org/10.20414/mu.v13i2.7266
Hutagalung, J., Amrullah, Saniman, Maya, W. R., & Elfitriani. (2022). Digitalisasi Masjid Era Society 5.0 Menggunakan Teknologi QRIS pada Kas Masjid Al-Muslimin. JCES (Journal of Character Education Society), 5(1), 151–160.
Kristiana, I., Judijanto, L., Putri, P. A. N., Muliza, & Alfiana. (2024). Pengaruh Inovasi Keuangan Digital Terhadap Model Bisnis Perusahaan Keuangan Tradisional: Tinjauan Terhadap Perubahan Regulasi Dan Pengalaman Pengguna. Jurnal Darma Agung, 32(1), 401–411.
Latifah, E., & Abdullah, R. (2022). Financial Technology (Fintech) Pada Perbankan Syariah: Aplikatif Dan Peran. JIAR : Journal Of International Accounting Research, 1(02), 99–115. https://doi.org/10.62668/jiar.v1i02.1130
Maulana, F. R., Hasnita, N., & Evriyenni, E. (2020). Pengaruh Pengetahuan Produk Dan Word of Mouth Terhadap Keputusan Nasabah Memilih Bank Syariah. JIHBIZ :Global Journal of Islamic Banking and Finance., 2(2), 124. https://doi.org/10.22373/jihbiz.v2i2.8644
ROSA SUSILA, J. K., LAKSONO, P., & AFIT, M. (2022). Rancang Bangun Robo-Advisor untuk Pendanaan Rumah Syariah Berbasis Aplikasi Bergerak. MIND Journal, 7(1), 98–110. https://doi.org/10.26760/mindjournal.v7i1.98-110
Sari, D. P., Nuur Wahid Abdul Majid, Rizki Hikmawan, & Hudzaifi Syah Tsalits Taufiqi. (2023). Analisa Dampak Financial Technology (Fintech) Terhadap Kebutuhan Kaum Milenial. Jurnal Informatika Teknologi Dan Sains (Jinteks), 5(4), 596–606. https://doi.org/10.51401/jinteks.v5i4.3419
Suganda, R., Mujib, A., Ag, M., Syari, F., Islam, U., & Sunan, N. (2023). Analisis Terhadap Peluang Dan Tantangan Perbankan Syariah Pada Era Digital. JIEI: Jurnal Ilmiah Ekonomi Islam, 9(01), 677–683.
Suwandi, S. S. S., & Abin, M. R. (2023). Peran Penggunaan BSI Mobile Banking dalam Kemudahan Bertransaksi di Era Society 5.0 (Study Kasus Masyarakat Desa Pelem Campurdarat). Journal of Management Small and Medium Enterprises (SME’s), 16(2), 237–246.
Zulfa Qur’anisa, Mira Herawati, Lisvi Lisvi, Melinda Helmalia Putri, & O. Feriyanto. (2024). Peran Fintech Dalam Meningkatkan Akses Keuangan Di Era Digital. GEMILANG: Jurnal Manajemen Dan Akuntansi, 4(3), 99–114. https://doi.org/10.56910/gemilang.v4i3.1573
Copyright (c) 2025 Muhammad Arifky Wahyudi
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.
