Fintech dan Keuangan Islam: Teori dan Praktik

Wang, Li; Mutakin, Ali; Sukardi, Budi; Iswanaji, Chaidir; Mardani, Dede Aji; Rahmanto, Dhidhin Noer Ady; Setyawan, Edy; Hartina, Hartina; Shiddieqy, Hasbi Ash; Ishak, Ishak; Jamaludin, Jamaludin; Riodini, Ichwan; Arsyad, Kamaruddin; Layli, Meutia; Misno, Misno; Holle, Mohammad H.; Farisi, Muhammad Salman Al; Hasbi, M. Zidny Nafi'; Tubastuvi, Naelati; Nasrulloh, Nasrulloh; Hasan, Nugraha; Hasibuan, Sri Wahyuni; Marzuki, Sitti Nikmah; Ernawati, Wanti; Santoso, Wahyu Purbo

doi:10.55216/publica.17

Cited by 4 publications

(4 citation statements)

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“…Misalnya, penggunaan aplikasi dan platform digital memungkinkan bank syariah untuk berkolaborasi dengan fintech syariah, lembaga zakat, dan entitas lainnya untuk menciptakan solusi keuangan yang holistik dan inklusif. Ini termasuk pengembangan dompet digital syariah, yang tidak hanya memfasilitasi transaksi keuangan sehari-hari tetapi juga memungkinkan pengumpulan dan distribusi zakat, infaq, dan sedekah secara efisien dan transparan (Fattah et al, 2022).…”

Section: Modernunclassified

Eksplorasi Teori Disrupsi Digital Clayton Christensen Dan Maqashid Syariah Terhadap Inovasi Perbankan Syariah Di Era Digital

Haerunnisa,

Sugitanata

2024

j-ebi: j. ekonomi. n.a. n.a.

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This research holistically explains the innovation of Islamic banking in the digital era, where, in the last decade, the digital revolution has changed the way financial institutions operate, triggering challenges and opportunities for Islamic banking. Through in-depth desk research with qualitative research based on analytical descriptive analysis to highlight the complex challenges and innovations faced by Islamic banking accompanied by Clayton Christensen's Digital Disruption theoretical framework and Maqashid Syariah concept. This research highlights the various challenges Islamic banking faces, ranging from integrating digital technology with Sharia principles to competition with conventional financial institutions, the information gap and the need for competent human resources. On the other hand, innovations in Islamic banking products in the digital era include using technologies such as mobile banking, blockchain, and AI to improve services and operational efficiency and expand access to finance through innovative financing and investment products. Analysis based on Clayton Christensen's Digital Disruption theory reveals how Islamic banking adopts technology to offer more efficient and personalised solutions to customers, while the Maqashid Shariah perspective shows how such innovations fulfil the objectives of Islamic law, such as safeguarding religion, soul, mind, offspring, and property, as well as protecting the environment. Overall, Islamic banking product innovation in the digital era illustrates the synergy between technology and Sharia principles to create a fair, inclusive, sustainable financial ecosystem. By continuously developing solutions that meet the needs of modern society while maintaining the integrity of Sharia values, Islamic banking is at the forefront of providing added value to customers and society while opening up new economic growth opportunities.

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Section: Modernunclassified

Eksplorasi Teori Disrupsi Digital Clayton Christensen Dan Maqashid Syariah Terhadap Inovasi Perbankan Syariah Di Era Digital

Haerunnisa,

Sugitanata

2024

j-ebi: j. ekonomi. n.a. n.a.

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“…Financial technology comes from sharia principles: convenience, accessibility, and scalability. Convenience in financial technology is because consumers can transact anytime and anywhere (Alam et al, 2019;A. Aziz et al, 2022;Sukardi, 2021;Vergara & Ferruz Agudo, 2021).…”

Section: Fintech (Financial Technology)mentioning

confidence: 99%

Quality E-Wallet Transaction Services for Indonesia's Millennial Student Generation

Selsapagita¹,

M.S.I²

2023

perisai

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The study aims to determine the influence of the quality of e-wallet transaction services simultaneously on the lifestyle of Solo Raya millennial students and determine the most dominant variables affecting the lifestyle of Solo Raya millennial students. A quantitative approach was used in this study. The study population consisted of millennial students in Solo Raya. The research sampling method was purposive and used predetermined criteria. Data collection techniques included documentation, literature review, and questionnaires. Data analysis using multiple regression techniques. The result of the study is that the quality of e-wallet transaction services simultaneously significantly affects the lifestyle of millennial students in Solo Raya. The most dominant variable affecting the lifestyle of the Solo Raya millennial students was reliability.

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“…Banking digitization brings about various changes, including simplifying transaction processes and services for consumers, resulting in increased effectiveness and efficiency. (Aziz et al, 2022;Oseni & Ali, 2019;Sukardi, 2021).…”

Section: Introductionmentioning

confidence: 99%

E-Servqual Digitalization Of Islamic Banks And Customer Retention In Surakarta

Pramesty,

Sukardi

2024

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This study aims to determine the effect of banking digitalization service quality on customer loyalty of Islamic banks in Surakarta city. This type of research is quantitative research with a sample of 100 bank customers who use Islamic bank digital services, using primary data obtained through direct distribution of a questionnaire with a Likert scale, the data is processed using multiple linear regression analysis. The research proves that efficiency, reliability, fulfillment, privacy, responsiveness has no significant effect on customer retention in using bank digital services, as evidenced by the statistical value of each variable, namely 0.763, 0.727, 0.083, 0.225, 0.093 greater than 0.05. Contact has a positive and significant effect on customer retention in the use of digital banking services with a statistical value of 0.012 less than 0.05. This research has implications for strengthening strategies and services in the use of digital FinTech by Islamic banks in Indonesia

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Fintech dan Keuangan Islam: Teori dan Praktik

Cited by 4 publications

References 0 publications

Eksplorasi Teori Disrupsi Digital Clayton Christensen Dan Maqashid Syariah Terhadap Inovasi Perbankan Syariah Di Era Digital

Eksplorasi Teori Disrupsi Digital Clayton Christensen Dan Maqashid Syariah Terhadap Inovasi Perbankan Syariah Di Era Digital

Quality E-Wallet Transaction Services for Indonesia's Millennial Student Generation

E-Servqual Digitalization Of Islamic Banks And Customer Retention In Surakarta

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