Strategi digitalisasi untuk meningkatkan daya saing bank di era fintech

Abstract

Digital transformation has become a primary requirement in the modern banking system, including the Islamic banking sector. Amid the rapid development of financial technology (fintech), Islamic banks face significant challenges in maintaining competitiveness and customer trust. This study aims to analyze the digitalization strategies implemented by Islamic banks in Indonesia in response to fintech disruption and changes in consumer behavior. The approach used is descriptive qualitative based on a literature review and empirical data from the Financial Services Authority (OJK) and Bank Indonesia (BI) for 2023–2024. The study results indicate that Islamic banks' digitalization strategies include the development of mobile banking-based digital products, collaboration with fintech companies, optimization of internal resources through HR training, and the application of sharia compliance principles in digital innovation. Using the theoretical framework of the Resource-Based View (RBV), Porter's Five Forces, and Blue Ocean Strategy, it was found that digitalization strengthens operational efficiency, expands market reach, and increases customer loyalty. However, challenges such as cybersecurity, limited infrastructure, and digital literacy remain major obstacles to achieving sustainable strategies.