Analisis Risiko dalam Digitalisasi Perbankan Syariah: Tantangan dan Solusi
DOI:
https://doi.org/10.30651/jms.v10i1.25730Abstract
Kemajuan teknologi informasi dan komunikasi (TIK) telah mendorong transformasi digital di sektor perbankan, termasuk perbankan syariah. Digitalisasi meningkatkan efisiensi operasional, mengurangi biaya layanan, dan memudahkan nasabah dalam mengakses layanan perbankan. Namun, transformasi ini juga menghadirkan tantangan signifikan, seperti risiko keamanan siber, kebocoran data, serangan ransomware, phishing, dan pencurian identitas. Perbankan syariah dituntut untuk menjaga kerahasiaan, integritas, dan ketersediaan data nasabah dengan menerapkan sistem teknologi informasi yang aman dan sesuai prinsip syariah. Tantangan lain termasuk rendahnya literasi digital nasabah, keterbatasan infrastruktur, dan kurangnya tenaga ahli di bidang teknologi digital. Penelitian ini bertujuan mengidentifikasi risiko digitalisasi perbankan syariah dan merumuskan strategi mitigasi, seperti peningkatan keamanan siber, penguatan infrastruktur teknologi, kolaborasi dengan fintech, dan pengembangan sumber daya manusia. Dengan langkah-langkah ini, diharapkan digitalisasi perbankan syariah dapat berjalan aman, efisien, dan sesuai prinsip syariah, memberikan manfaat optimal bagi seluruh pemangku kepentingan.
Kata kunci: Risiko, Digitalisasi, Perbankan Syariah, Tantangan, Solusi
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