Pendekatan strategi dalam produk digital dan risiko

Studi literatur pada transformasi pemasaran bank syariah dan fintech

Authors

  • Ahmad Zhafa Ambiya Progam Studi Perbankkan Syariah, Universitas Islam Maulana Malik Ibrahim Malang

Keywords:

Digital strategy, risk, islamic banking, fintech, sharia compliance

Abstract

Digital transformation has impacted marketing and product development in Islamic financial institutions and Sharia-compliant fintechs. A literature review of three articles in the Maliki Islamic Journal shows that successful strategic approaches include customer-centric strategies, platform partnerships, and agile product development, based on the principle of compliance-by-design. This approach enables Islamic financial institutions to innovate through digital services such as mobile banking, halal e-wallets, and platform-based financing, while maintaining Sharia values. However, this innovation also presents new challenges, including cyber risk, digital operational risk, Sharia compliance, reputational risk, and a shortage of competent talent. Therefore, integrated risk management is needed through the implementation of enterprise risk management, digital Sharia audits, and human resource development in the Sharia-tech sector. Collaboration between banks, fintechs, and regulatory bodies such as the Financial Services Authority (OJK) and the National Sharia Council (DSN-MUI) is crucial in ensuring the sustainability of and public trust in the digital Islamic financial system.

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Published

2025-10-20

How to Cite

Ambiya, A. Z. (2025). Pendekatan strategi dalam produk digital dan risiko: Studi literatur pada transformasi pemasaran bank syariah dan fintech. Maliki Interdisciplinary Journal, 3(11), 841–847. Retrieved from https://urj.uin-malang.ac.id/index.php/mij/article/view/19257

Issue

Vol. 3 No. 11 (2025): NOVEMBER

Section

Articles

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