Transformasi digital perbankan syariah

Strategi peningkatan inklusi dan literasi keuangan di era digital

Authors

  • Seno Adji Siswanto Program Studi Perbankan Syariah, Universitas Islam Negeri Maulana Malik Ibrahim Malang

Keywords:

Digital transformation, islamic financial inclusion, digital literacy, islamic fintech, digital banking services

Abstract

Digital transformation has fundamentally changed the landscape of Islamic banking in Indonesia. This research analyzes the role of digitalization in enhancing Islamic financial inclusion through the development of public digital literacy. Using a descriptive qualitative approach with literature study methods, this study examines various aspects of Islamic banking digital transformation including digital banking services, Islamic fintech, and strategies to increase financial service accessibility. The results show that digitalization has a significant positive impact on economic growth and Islamic financial inclusion, with digital banking transactions increasing by 27.6% and Indonesia's digital economy value reaching Rp714.4 trillion. However, challenges such as low digital literacy, technology infrastructure gaps, and data security remain major obstacles. This research recommends the importance of synergy between government, Islamic financial institutions, and technology providers to develop an inclusive and sustainable Islamic fintech ecosystem.

Downloads

Download data is not yet available.

Downloads

Published

2025-10-17

How to Cite

Siswanto, S. A. (2025). Transformasi digital perbankan syariah: Strategi peningkatan inklusi dan literasi keuangan di era digital. Maliki Interdisciplinary Journal, 3(11), 873–884. Retrieved from https://urj.uin-malang.ac.id/index.php/mij/article/view/19298

Issue

Vol. 3 No. 11 (2025): NOVEMBER

Section

Articles

License

Authors who publish with this journal agree to the following terms:

  • Authors retain copyright and grant the journal right of first publication with the work simultaneously licensed under a Creative Commons Attribution License that allows others to share the work with an acknowledgement of the work’s authorship and initial publication in this journal.
  • Authors are able to enter into separate, additional contractual arrangements for the non-exclusive distribution of the journal’s published version of the work (e.g., post it to an institutional repository or publish it in a book), with an acknowledgement of its initial publication in this journal.
  • Authors are permitted and encouraged to post their work online (e.g., in institutional repositories or on their website) prior to and during the submission process, as it can lead to productive exchanges, as well as earlier and greater citation of published work.