REKONSTRUKSI PERLINDUNGAN KONSUMEN DALAM TRANSAKSI PERBANKAN SYARIAH DI ERA DIGITALISASI FINANSIAL
DOI:
https://doi.org/10.35905/sipakainge.v3i3.14097Keywords:
Perlindungan Konsumen, Perbankan Syariah, Digitalisasi Finansial, Maqāṣid al-Sharī‘ah, Rekonstruksi HukumAbstract
The digital transformation of the financial services sector, particularly within Sharia banking, has brought about significant changes that reshape transaction patterns, the relationship between consumers and financial institutions, and the legal frameworks that support them. While digitalization promotes efficiency, financial inclusion, and accessibility, it also introduces new vulnerabilities technical, contractual, and related to compliance with Sharia principles that may adversely affect consumers. This conceptual article is based on a literature review of 30 national and international scholarly articles published in the last five years, focusing on consumer protection, digital financial services, and Sharia legal ethical principles. Employing a normative-juridical approach and conceptual analysis, the study explores the intersection of consumer protection regulations, the values of maqāṣid al-sharī‘ah, and emerging legal challenges within the digital financial landscape. The findings indicate a critical need to reconstruct the paradigm of consumer protection in digital Sharia banking. This reconstruction must transcend formal legal approaches by integrating principles of contractual justice, digital transparency, institutional accountability, and adaptive Sharia ethics. Consequently, consumer protection must be designed not only to respond to digital risks but also to prevent them while remaining consistent with the foundational tenets of Islamic law.
References
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Kitchenham, B. A., Mendes, E., & Travassos, G. H. (2007). Cross versus within-company cost estimation studies: A systematic review. IEEE Transactions on Software Engineering, 33(5), 316–329.
Mollik, E., & Majeed, F. (2025). CYBERSECURITY CHALLENGES IN DIGITAL ISLAMIC BANKING ESTABLISHED IN BANGLADESH: RISK MANAGEMENT PERSPECTIVE. European Journal of Economic and Financial Research, 8(8).
Nola, I. (2023). PERAN OJK DALAM PERLINDUNGAN KONSUMEN PERBANKAN SYARIAH PERSPEKTIF EKONOMI ISLAM. Robust: Research of Business and Economics Studies. https://doi.org/10.31332/robust.v3i2.7800
Panjaitan, H., & Pramono, N. (2023). LEGAL PROTECTION OF CONSUMERS IN DIGITAL TRANSACTIONS. Russian Law Journal. https://doi.org/10.52783/rlj.v11i3.1622
Rizka Azizah, Revana Anggraeni, & Yowa Selvia Bayu Mustika. (2024). Peran Perlindungan Konsumen dalam Era Digitalisasi Perbankan Bagi Konsumen. OPTIMAL Jurnal Ekonomi Dan Manajemen, 4(2), 221–233. https://doi.org/10.55606/optimal.v4i2.3489
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Setiawan, A., Diadani, P. S., Masyita, R., Putri, R. A., Nurbaiti, & Artikel, I. (2025). Strategi Digitalisasi di Bank Syariah untuk Meningkatkan Daya Saing. AKSIOMA : Jurnal Sains Ekonomi Dan Edukasi. https://doi.org/10.62335/6v1maz65
Sriono, S., Dewi, S., Hulzannah, M., Panggabean, M., & Rizki, R. (2021). Legal Protection Against Bank Customers in Review of Banking Laws. 1, 1–6. https://doi.org/10.51601/IJERSC.V1I1.7
Swain, S., & Gochhait, S. (2022). ABCD technology- AI, Blockchain, Cloud computing and Data security in Islamic banking sector*. 2022 International Conference on Sustainable Islamic Business and Finance (SIBF), 58–62. https://doi.org/10.1109/SIBF56821.2022.9939683
Tarigan, H. A. A. B., & Paulus, D. H. (2019). Perlindungan Hukum Terhadap Nasabah Atas Penyelenggaraan Layanan Perbankan Digital. Jurnal Pembangunan Hukum Indonesia, 1(3), 294–307. https://doi.org/10.14710/jphi.v1i3.294-307
Yazid, Z. E., Zainol, Z., & Bakar, J. (2023). E-Commerce Via Mobile Banking: Contemporary Shariah Issues and Ways to Address Them. International Journal of Professional Business Review. https://doi.org/10.26668/businessreview/2023.v8i1.1258
Yusuf, M., Sumarno, & Komarudin, P. (2022). Bank Digital Syariah Di Indonesia : Telaah Regulasi Dan Perlindungan Nasabah. Jurnal Ekonomi Islam, 13(2), 2579–6453.
Aljudaibi, S. A., & Amuda, Y. J. (2024). Legal framework governing consumers’ protection in digital banking in Saudi Arabia. Journal of Infrastructure, Policy and Development, 8(8), 1–18. https://doi.org/10.24294/jipd.v8i8.5453
Andreas, R., Andini, P. R., & Rulanda, S. P. (2019). Islamic Perspective In Consumers Protecting Of E-Commerce Transactions In Indonesia. IKONOMIKA. https://doi.org/10.24042/FEBI.V4I1.3898
Ashraf, M., Amir, T., & Osman, A. R. (2025). Consumer satisfaction in branchless Islamic banking and financial inclusion: case for Islami Bank Bangladesh Limited (IBBL). Journal of Islamic Accounting and Business Research. https://doi.org/10.1108/jiabr-03-2023-0111
Azis, M., Redi, A., & Borobudur, U. (2025). Jurnal Retentum Rekonstruksi Perlindungan Hukum Bagi Konsumen Perbankan di Tengah Ancaman Kejahatan Teknologi. 386–398.
Azis, M., & Santiago, F. (2024). Transformation of Consumer Protection Against Loss of Customer Funds in Digital Banking. Journal of Comprehensive Science (JCS), 3(12).
Azizah, R., Anggraeni, R., Selvia, Y., Mustika, B., Konsumen, P., Digitalisasi, T., Perbankan, Perlindungan, P., Konsumen, Digitalisasi, E., & Konsumen, P. B. (2024). Peran Perlindungan Konsumen dalam Era Digitalisasi Perbankan Bagi Konsumen. OPTIMAL Jurnal Ekonomi Dan Manajemen. https://doi.org/10.55606/optimal.v4i2.3489
Barus, U. M., Azwar, T., Yuswar, C. P., Nasution, S. N., & Wau, H. S. (2024). Legal Readiness Of Agreements Facing The Digitalization Era Banking In Islamic Banking Financing Transactions. Journal of Social Science (JoSS). https://doi.org/10.57185/joss.v2i12.229
Besar, P. G. (2013). Untuk Mencapai Kemaslahatan Sebagai Wujud Rahmatan Lil-Alamin.
Ceasario, A. F., & Nisa, F. L. (2024). Transformasi Keuangan Digital dalam Perspektif Ekonomi Syariah : Peluang , Tantangan , dan Dampak Terhadap Inklusi Keuangan. 3(1), 102–114. https://doi.org/10.35905/rikaz.v3i2.9596
Faris, N., & Winario, M. (2024). Perlindungan Konsumen Dalam Perbankan Syariah: Perspektif Hukum Ekonomi Syariah. Multidisciplinary Journal Of Religion And Social Sciences, 1(1), 29–39.
Frolova, E., Ermakova, E., & Protopopova, O. (2020). Consumer Protection of Digital Financial Services in Russia and Abroad. 76–87. https://doi.org/10.1007/978-3-030-39319-9_8
Hasanuddin, H., Masuwd, M., Ridwan, M., Mustamin, S. W., Saleh, M., & Fitrayani, F. (2024). Legal Reform of Consumer Privacy Rights Protection in Online Transactions Based on Islamic Economic Law Principles. Jurnal Hukum Islam, 22(2), 313–342.
Heriyati, P., Nugraha, K., Yadav, N., & Bismo, A. (2025). Decision analysis of the non–adoption of digital Islamic banking by Indonesian consumers: a structured equation modelling approach. Journal of Islamic Marketing, ahead-of-print(ahead-of-print). https://doi.org/10.1108/JIMA-09-2023-0273
Hidayat, T., Majdidin, R. M., & Nur, E. R. (2024). Ojk And Dps Supervision From Sharia Economic Law Perspective. ASAS. https://doi.org/10.24042/asas.v15i02.17683
Ibrahim, D. M., Hidayat, Y., & Wasitaatmadja, F. F. (2024). Legal Protection of Banking Customers Who Are Victims Of Information And Electronic Transaction Crimes. Jurnal Ilmiah Penegakan Hukum. https://doi.org/10.31289/jiph.v11i1.11099
Ifwat Ishak, M. S., & Mohammad Nasir, N. S. (2021). Maqasid al-Shari’ah in Islamic finance: Harmonizing theory and reality. The Journal of Muamalat and Islamic Finance Research, June, 108–119. https://doi.org/10.33102/jmifr.v18i1.334
Keliat, V. U., Hukum, F., & Prima, U. (2024). Jurnal Darma Agung Fakultas Hukum Universitas Prima Indonesia , Medan , Indonesia Corresponding Author : 323–331.
Kitchenham, B. A., Mendes, E., & Travassos, G. H. (2007). Cross versus within-company cost estimation studies: A systematic review. IEEE Transactions on Software Engineering, 33(5), 316–329.
Mollik, E., & Majeed, F. (2025). CYBERSECURITY CHALLENGES IN DIGITAL ISLAMIC BANKING ESTABLISHED IN BANGLADESH: RISK MANAGEMENT PERSPECTIVE. European Journal of Economic and Financial Research, 8(8).
Nola, I. (2023). PERAN OJK DALAM PERLINDUNGAN KONSUMEN PERBANKAN SYARIAH PERSPEKTIF EKONOMI ISLAM. Robust: Research of Business and Economics Studies. https://doi.org/10.31332/robust.v3i2.7800
Panjaitan, H., & Pramono, N. (2023). LEGAL PROTECTION OF CONSUMERS IN DIGITAL TRANSACTIONS. Russian Law Journal. https://doi.org/10.52783/rlj.v11i3.1622
Rizka Azizah, Revana Anggraeni, & Yowa Selvia Bayu Mustika. (2024). Peran Perlindungan Konsumen dalam Era Digitalisasi Perbankan Bagi Konsumen. OPTIMAL Jurnal Ekonomi Dan Manajemen, 4(2), 221–233. https://doi.org/10.55606/optimal.v4i2.3489
Rusydiana, A. S., Uula, M. M., As-salafiyah, A., & Riani, R. (n.d.). A_comparative_study_on_the_eff.PDF. x. https://doi.org/10.26414/A497
Setiawan, A., Diadani, P. S., Masyita, R., Putri, R. A., Nurbaiti, & Artikel, I. (2025). Strategi Digitalisasi di Bank Syariah untuk Meningkatkan Daya Saing. AKSIOMA : Jurnal Sains Ekonomi Dan Edukasi. https://doi.org/10.62335/6v1maz65
Sriono, S., Dewi, S., Hulzannah, M., Panggabean, M., & Rizki, R. (2021). Legal Protection Against Bank Customers in Review of Banking Laws. 1, 1–6. https://doi.org/10.51601/IJERSC.V1I1.7
Swain, S., & Gochhait, S. (2022). ABCD technology- AI, Blockchain, Cloud computing and Data security in Islamic banking sector*. 2022 International Conference on Sustainable Islamic Business and Finance (SIBF), 58–62. https://doi.org/10.1109/SIBF56821.2022.9939683
Tarigan, H. A. A. B., & Paulus, D. H. (2019). Perlindungan Hukum Terhadap Nasabah Atas Penyelenggaraan Layanan Perbankan Digital. Jurnal Pembangunan Hukum Indonesia, 1(3), 294–307. https://doi.org/10.14710/jphi.v1i3.294-307
Yazid, Z. E., Zainol, Z., & Bakar, J. (2023). E-Commerce Via Mobile Banking: Contemporary Shariah Issues and Ways to Address Them. International Journal of Professional Business Review. https://doi.org/10.26668/businessreview/2023.v8i1.1258
Yusuf, M., Sumarno, & Komarudin, P. (2022). Bank Digital Syariah Di Indonesia : Telaah Regulasi Dan Perlindungan Nasabah. Jurnal Ekonomi Islam, 13(2), 2579–6453.
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2025-06-20
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