Analisis Manajemen Risiko Berbasis Teknologi Informasi pada Produk E-Banking Syariah
Abstract
Digital advancements in the Islamic banking sector have brought significant opportunities alongside emerging risks, particularly those related to the use of information technology (IT). This study explores how Islamic banks implement IT-based risk management strategies within their e-banking services to maintain operational reliability and uphold Sharia compliance. Utilizing a descriptive qualitative method through literature analysis, the study finds that effective IT risk management in Islamic e-banking involves key elements such as Sharia-aligned IT governance, strong cybersecurity measures, oversight of third-party service providers, and staff capacity development. Moreover, active participation from the Sharia Supervisory Board (SSB) and ongoing customer education play an essential role in strengthening risk prevention efforts. The results affirm that a Sharia-compliant and integrated risk management system is vital for the resilience and integrity of digital banking operations in the current technological landscape.
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