OPTIMALISASI SUMBER DAYA DATA UNTUK INOVASI LAYANAN BANK SYARIAH DI ERA DIGITAL
DOI:
https://doi.org/10.69714/se7gek67Keywords:
Digitalization, Service Innovation, Big Data ., Islamic Banks, Digital EraAbstract
This study aims to examine how the optimization of data resources drives service innovation in Islamic banking in the digital era. Digital transformation through Big Data Analytics, artificial intelligence, digital banking platforms, and technologies such as APIs and cloud computing has positioned data as a strategic asset for Islamic banks. Effective utilization of data enhances operational efficiency, supports personalized services, strengthens risk management, and enables the development of Sharia-compliant financial products. This research employs a qualitative library-based approach by analyzing fifteen scholarly articles related to digitalization, service innovation, green banking, and data management in Islamic finance. The findings indicate that data optimization significantly contributes to accelerating digital service adoption, improving customer satisfaction, expanding Islamic financial inclusion, and reinforcing governance based on the principles of maqashid shariah. However, digitalization also presents challenges, including cybersecurity threats, limited technological infrastructure, low digital literacy in Sharia-compliant finance, and insufficient human resource competencies. Therefore, integrated strategies involving strengthened Sharia governance, enhanced technological capabilities, and collaboration with regulators and FinTech institutions are required to build a secure, inclusive, and sustainable digital Islamic financial ecosystem.
References
Ayu, R. K., & Fasa, M. I. (2025). Strategi Marketing Dan Peran Inovasi Green Banking Terhadap Layanan Dalam Meningkatkan Kepuasan Nasabah Bank Syariah Di Era Digital. Jurnal Intelek Insan Cendikia, 9456–9463.
D. Siahaan. (2023). PERKEMBANGAN PERBANKAN SYARIAH PADA ERA EKONOMI DIGITAL. 3(April).
Deviana Sari, Rissa Jahara, Tengku Raihan Dalila, & Nurbaiti Nurbaiti. (2023). Optimalisasi Manajemen Sumber Daya Data Untuk Mengatasi Tantangan Digitalisasi Dalam Operasional Bank Syariah. Jurnal Riset Ekonomi Dan Akuntansi, 2(1), 71–77. https://doi.org/10.54066/jrea-itb.v2i1.1243
Dz., A. S. (2018). Inklusi Keuangan Perbankan Syariah Berbasis Digital-Banking: Optimalisasi dan Tantangan. Al-Amwal : Jurnal Ekonomi Dan Perbankan Syari’ah, 10(1), 63. https://doi.org/10.24235/amwal.v10i1.2813
Faadilah, I., & Ilham, A. (2024). Prospek Pengembangan Perbankan Syariah di Indonesia Dalam Era Digital. Jurnal Kajian Dan Pengembangan Umat, 7(1), 20–29. https://doi.org/10.31869/jkpu.v7i1.5337
Hasanah, N., & Noor Sayuti, M. (2024). Optimalisasi Regulasi Perbankan Syariah oleh BI dan OJK dalam Akselerasi Transformasi Digital. Jurnal Manajemen Terapan Dan Keuangan (Mankeu), 13(3), 247–258.
Hidayat, M., & Asky Humeriatunnisa. (2023). Optimalisasi Peran Digital Banking Bank Syariah Indonesia Terhadap Perkembangan Industri Halal. Mabsya: Jurnal Manajemen Bisnis Syariah, 5(2), 243–264. https://doi.org/10.24090/mabsya.v5i2.9984
Kusjuniati, K., Ardiansyah, S., & Dewi, A. C. (2024). Digitalisasi Fitur Layanan Islami Pada Nasabah Tabungan Wadiah Di Bank Syariah Indonesia Kantor Cabang Renon Denpasar. Widya Balina, 9(1), 161–171. https://doi.org/10.53958/wb.v9i1.543
Nasir Tajul Aripin, Nur Fatwa, & Mulawarman Hannase. (2022). Layanan Digital Bank Syariah Sebagai Faktor PendNasir Tajul Aripin, Nur Fatwa, & Mulawarman Hannase. (2022). Layanan Digital Bank Syariah Sebagai Faktor Pendorong Indeks Literasi dan Inklusi Keuangan Syariah. Syarikat: Jurnal Rumpun Ekonomi Syariah, 5(1),. Syarikat: Jurnal Rumpun Ekonomi Syariah, 5(1), 29–45.
Nasution, N. S., & Murtani, A. (2024). Analisis Optimalisasi Pelayanan Melalui Pengunan Mobile Banking Pada Pt. Bank Sumut Syariah Kantor Cabang Pembantu Marelan Raya. Jurnal Widya, 5(2), 2042–2050. https://doi.org/10.54593/awl.v5i2.413
Ridho, M. R., Hadi, M. S., Firmansyah, B., Sari, M., Ramadhany, C. A., & Agustin, E. (2024). Peran Big Data Dalam Pengembangan Strategi Perbankan Syariah. 2(4).
Riska Selvia, Femei Purnama Sari, & Anggun Okta Fitri. (2025). Pengembangan Layanan Perbankan Digital dalam Perbankan Syariah. Jurnal Bersama Ilmu Ekonomi (EKONOM), 1(2), 103–110. https://doi.org/10.55123/ekonom.v1i2.111
Safitri, C., & Fasa, M. I. (2024). Strategi Digital Marketing Dalam Meningkatkan Aksesibilitas Layanan Bank Syariah Di Era 4.0. JICN: Jurnal Intelek Dan Cendikiawan Nusantara, 1(5)(November), 7096–7110.
santoso et al., 2025. (2025). INOVASI PRODUK PERBANKAN SYARIAH DALAM MENINGKATKAN DAYA SAING DI ERA DIGITAL Muhammad. 06(01).
Suganda, R., Mujib, A., Ag, M., Syari, F., Islam, U., & Sunan, N. (2023). Analisis Terhadap Peluang Dan Tantangan Perbankan Syariah Pada Era Digital. JIEI: Jurnal Ilmiah Ekonomi Islam, 9(01), 677–683.
Downloads
Published
Issue
Section
License
Copyright (c) 2025 Jurnal Ekonomi Bisnis dan Kewirausahaan
This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.
