CYBERSECURITY AND OPERATIONAL RISK IN ISLAMIC BANKING: ENHANCING GOVERNANCE AND SHARIAH COMPLIANCE IN THE DIGITAL AGE
DOI:
https://doi.org/10.54783/yd7ppe39Keywords:
Cybersecurity, Operational Risk, and Islamic BankingAbstract
The acceleration of digitalization in Islamic banking not only presents opportunities but also brings new threats in the form of increasingly complex cyber attacks and operational failures. These risks affect not only financial stability but also Shariah compliance. This study aims to analyze in depth cybersecurity and operational risks in Islamic banking. Using a qualitative approach based on literature analysis, this study finds that cyber attacks have the potential to directly result in Shariah non-compliance due to data manipulation and violation of customer trust. This study contributes to the literature by introducing a new paradigm regarding cyber risk, operational risk, and Shariah compliance that cannot be separated from the digital ecosystem of Islamic banking.
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