TRANSFORMASI DIGITAL DALAM MENINGKATKAN KINERJA DAN LAYANAN BANK SYARIAH DI INDONESIA

Authors

  • pulungannovi yanti Stain mandailing natal
  • Jureid Sekolah Tinggi Agama Isalam Mandailing Natal

DOI:

https://doi.org/10.30651/jms.v11i4.31515

Abstract

Perkembangan teknologi digital mendorong transformasi signifikan dalam industri perbankan, termasuk perbankan syariah. Transformasi ini tidak hanya meningkatkan efisiensi operasional, tetapi juga kualitas layanan kepada nasabah, dengan tetap memperhatikan prinsip-prinsip syariah.Penelitian ini bertujuan untuk menganalisis peran transformasi digital dalam meningkatkan kinerja dan kualitas layanan bank syariah di Indonesia. Metode yang digunakan adalah pendekatan kualitatif melalui studi pustaka dengan memanfaatkan data sekunder dari jurnal, buku, dan laporan resmi.Hasil penelitian menunjukkan bahwa transformasi digital mampu meningkatkan efisiensi, mempercepat transaksi, serta memperluas akses layanan. Selain itu, kualitas layanan juga meningkat melalui kemudahan, kecepatan, dan transparansi. Namun, implementasinya masih menghadapi tantangan seperti risiko keamanan siber, keterbatasan infrastruktur, dan rendahnya literasi digital.Dengan demikian, transformasi digital berperan strategis dalam pengembangan perbankan syariah, dengan tetap memperhatikan prinsip syariah dan kesiapan teknologi serta sumber daya manusia.

Published

2026-06-22

How to Cite

yanti, pulungannovi, & Jureid. (2026). TRANSFORMASI DIGITAL DALAM MENINGKATKAN KINERJA DAN LAYANAN BANK SYARIAH DI INDONESIA. Jurnal Masharif Al-Syariah: Jurnal Ekonomi Dan Perbankan Syariah, 11(4). https://doi.org/10.30651/jms.v11i4.31515

Issue

Vol. 11 No. 4 (2026)

Section

Artikel

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