Peran teknologi dalam manajemen risiko dan inovasi perbankan syariah

Authors

  • Muhammad Ilham Putra Rahmadana Program studi perbankan syari’ah, Universitas Islam Negeri Maulana Malik Ibrahim Malang

Keywords:

Technology, digitalization, innovation, sharia banking, digital era

Abstract

In the digital era marked by rapid advances in technology, Islamic banking faces significant challenges and opportunities in maintaining sustainability and competitiveness. This article analyzes the role of digital technology such as Big Data, Artificial Intelligence (AI), and Blockchain strengthening risk management and encouraging innovation in Islamic banking products and services. Through a qualitative approach with literature studies, this article highlights how the use of technology can increase operational efficiency, facilitate access to services, and help Islamic banking identify and manage risks more accurately. However, this digital transformation also faces various obstacles such as low digital literacy, limited human resources, and threats to cyber security. Therefore, synergy between technology, sharia governance and strong regulations is the key to creating an adaptive, innovative and sustainable sharia financial system in the digital era.

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Published

2025-08-29

How to Cite

Rahmadana, M. I. P. (2025). Peran teknologi dalam manajemen risiko dan inovasi perbankan syariah. Maliki Interdisciplinary Journal, 3(7), 239–249. Retrieved from https://urj.uin-malang.ac.id/index.php/mij/article/view/15759

Issue

Vol. 3 No. 7 (2025): JULY

Section

Articles

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