Strategi manajemen perbankan syariah di Indonesia dalam meningkatkan market share melalui teknologi Informasi

Abstract

The utilization of information technology has become a strategic key for Islamic banks in Indonesia to increase their market share. In efforts to confront intensifying competition, Islamic banks have adopted various management strategies to strengthen their positions in the market. This paper analyzes the strategies employed by Indonesian Islamic banks to enhance market share through the utilization of information technology. One of the adopted strategies is the development of technology-based products and services that adhere to Sharia principles, such as Sharia-compliant digital banking services and Sharia-based fintech platforms. Additionally, Islamic banks enhance operational efficiency and services through the implementation of integrated information systems, such as risk management systems and customer management systems. Moreover, Islamic banks actively utilize social media and other digital platforms to expand their market reach and reinforce their brand image. Digital marketing approaches are also utilized to reach a broader market segment, particularly the millennial generation, which tends to be more familiar with technology. By combining these strategies, Indonesian Islamic banks aim to increase market penetration, strengthen customer loyalty, and broaden their geographical coverage. Despite existing challenges, particularly regarding security and regulations, the effective implementation of information technology has helped Islamic banks remain relevant and competitive in the modern banking industry.