Transformasi digital manajemen risiko

Peran fintech dalam perbankan syariah modern

Authors

  • Firdha Lailatul Kharimah Program Studi Perbankan Syariah, Universitas Islam negeri Maulana Malik Ibrahim Malang

Keywords:

Fintech, risk management, islamic banking, digitalization, shariah compliance, technology transformation

Abstract

Digital transformation is a key driver in shaping modern financial systems, including in the Islamic banking sector. This article aims to analyze the role of financial technology (fintech) in strengthening the sharia-based risk management system. Using a qualitative approach and a review of recent literature, this article finds that the integration of fintech in the risk management process can improve efficiency, transparency, and compliance with sharia principles. Technologies such as big data analytics, artificial intelligence (AI), blockchain, and regulatory technology (RegTech) have provided practical solutions to manage financing risk, compliance risk, and operational risk in sharia schemes. Case studies on Bank Syariah Indonesia, Bank Islam Malaysia, and Emirates Islamic Bank show that strategic partnerships with fintech providers, regulatory strengthening, and human resource transformation are key factors for the success of this digital integration. However, challenges such as limited digital literacy, non-standardized digital sharia systems, and data security risks remain as obstacles. This article recommends the development of a national Islamic fintech-risk roadmap based on collaboration between regulators, industry, and academia as a strategic step to create a resilient, innovative, and sharia-compliant Islamic banking risk management system.

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Published

2025-09-16

How to Cite

Kharimah, F. L. (2025). Transformasi digital manajemen risiko: Peran fintech dalam perbankan syariah modern. Maliki Interdisciplinary Journal, 3(7), 756–767. Retrieved from https://urj.uin-malang.ac.id/index.php/mij/article/view/15826

Issue

Vol. 3 No. 7 (2025): JULY

Section

Articles

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