Kebijakan dan Implementasi Digitalisasi Perbankan Syariah di Indonesia dalam Sistem Informasi Perbankan

Authors

  • Amhar Maulana Harahap a:1:{s:5:"en_US";s:26:"STAI Barumun Raya Sibuhuan";}

DOI:

https://doi.org/10.30651/jms.v11i1.30723

Abstract

Percepatan teknologi digital telah memicu perubahan struktural dalam sektor keuangan, termasuk perbankan syariah di Indonesia. Penelitian ini bertujuan mengkaji arah kebijakan dan pelaksanaan sistem informasi dalam pengembangan digital banking syariah yang berpijak pada prinsip maqashid syariah. Penelitian menggunakan metode kualitatif melalui studi literatur dan analisis kebijakan terhadap regulasi, publikasi ilmiah, serta laporan institusi keuangan. Temuan menunjukkan bahwa pertumbuhan digital banking syariah didorong oleh peran aktif pemerintah melalui KNEKS, OJK, dan Bank Indonesia. Meski demikian, tantangan masih muncul dalam bentuk rendahnya literasi digital publik, keterbatasan infrastruktur teknologi, serta ketiadaan standar audit syariah berbasis digital. Karena itu, diperlukan kolaborasi strategis antara regulator, pelaku industri, dan akademisi untuk membangun tata kelola digital syariah yang inklusif, aman, dan berkelanjutan.

Kata kunci: Kebijakan, Implementasi, Digitalisasi, Perbankan Syariah, Sistem Informasi Perbankan  

Published

2026-02-14

How to Cite

Maulana Harahap, A. (2026). Kebijakan dan Implementasi Digitalisasi Perbankan Syariah di Indonesia dalam Sistem Informasi Perbankan . Jurnal Masharif Al-Syariah: Jurnal Ekonomi Dan Perbankan Syariah, 11(1). https://doi.org/10.30651/jms.v11i1.30723

Issue

Vol. 11 No. 1 (2026)

Section

Artikel

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