THE USE OF FINANCIAL TECHNOLOGY (FINTECH) IN ISLAMIC BANKING OPERATIONS: AN ANALYSIS OF THE IMPACT OF DIGITAL TRANSFORMATION
DOI:
https://doi.org/10.54783/kqatz619Keywords:
Digital Transformation, FinTech, Islamic Banking, Operational EfficiencyAbstract
The development of financial technology (FinTech) has changed the operational paradigm of Islamic banks towards a more efficient, inclusive, and competitive digital system. This study aims to analyze the impact of digital transformation through the use of FinTech in Islamic banking operations, particularly in terms of efficiency, Sharia compliance, product innovation, and risk management. This study uses a qualitative approach with a literature review method, examining the latest literature related to the application of FinTech in Islamic banking. The results show that digitization improves operational efficiency, expands access to Islamic financial services, and encourages technology-based product innovation such as mobile banking, blockchain, and smart contracts. However, the main challenges faced include compliance with sharia principles, data security, low digital literacy, and the integration of old technology systems. This study recommends collaboration between regulators, industry players, and educational institutions to build an inclusive, secure, and sustainable Islamic FinTech ecosystem. Thus, digital transformation can strengthen the competitiveness of Islamic banks while expanding Islamic-based financial inclusion in the digital economy era.
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