Pendekatan strategi dalam produk digital dan risiko
Studi literatur pada transformasi pemasaran bank syariah dan fintech
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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References
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