Optimalisasi manajemen risiko perbankan syariah di tengah transformasi digital dan ekspansi fintech

Abstract

Digital transformation has revolutionized the Islamic banking landscape, yet simultaneously introduced increasingly complex risk architectures. This study aims to analyze the repositioning of risk management in Islamic banking in response to financial technology (fintech) disruption, the shifting demographic behavior of Generation Z, and reputational vulnerabilities in the digital era. Employing a systematic literature review (SLR) method with a qualitative-analytical approach, this study extracts data from various reputable scientific literatures. The findings indicate that digitalization converts traditional operational risks into cyber-based systemic threats and algorithmic failures. Furthermore, the phenomenon of impulsive consumption patterns among Generation Z necessitates a redefinition of the 5C analysis instrument through the integration of big data analytics to mitigate the surge in Non-Performing Financing (NPF). These findings confirm that institutional resilience depends not only on technological sophistication but on proactive mitigation orchestration that positions sharia compliance as a fundamental anchor. This study recommends strengthening the role of the Sharia Supervisory Board in the incubation phase of digital products and the need for a more agile regulatory framework to maintain the systemic stability of Islamic banking.