A Digital Disruption of Islamic Banking Service Principles in the Modern Financial Era
Abstract, Introduction, Literature Review, Methodology, Results, Discussion, Conclusion, References
DOI:
https://doi.org/10.35905/sipakainge.v3i2.14294Keywords:
Islamic Banking, Digital Distruption, Modern FinanceAbstract
Disrupsi digital telah mengubah industri perbankan secara signifikan, termasuk perbankan Islam, yang didasarkan pada prinsip keadilan, transparansi, dan larangan riba. Artikel ini bertujuan untuk mengeksplorasi bagaimana inovasi teknologi seperti fintech, blockchain, dan kecerdasan buatan memengaruhi prinsip-prinsip inti layanan perbankan Islam. Dengan menggunakan pendekatan studi literatur, temuan tersebut mengungkapkan bahwa disrupsi digital dapat meningkatkan efisiensi dan aksesibilitas, tetapi juga menimbulkan risiko seperti ketidakpatuhan terhadap prinsip-prinsip syariah dan kesenjangan digital. Artikel ini menyimpulkan bahwa penguatan regulasi, promosi inovasi yang sesuai dengan syariah, dan pelibatan otoritas syariah sangat penting untuk menjaga integritas layanan keuangan Islam di era digital .
References
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Arfaizar, J. (2023). the Enviromental Crisis in the Prespective of Contemporary Islamic Studies in Indonesia. Russian Law Journal, XI(5), 412–427. https://cyberleninka.ru/article/n/the-enviromental-crisis-in-the-prespective-of-contemporary-islamic-studies-in-indonesia
Arfaizar, J., Ayu, N., Riyanto, F., Yusdani, Y., & Muliadi, S. (2023). Dinamika Kontemporer Dalam Transaksi Perbankan Syariah Dan Problematikanya. Wadiah, 7(2), 163–191. https://doi.org/10.30762/wadiah.v7i2.327
Banna, H. (2025). Digital Financial Inclusion and Bank Stability in a Dual Banking System: Does Financial Literacy Matter? Journal of Islamic Monetary Economics and Finance, 11(1), 63–90. https://doi.org/10.21098/jimf.v11i1.2650
Dafiq, B. I., Hidayati, A. N., & Habib, M. A. F. (2022). Pengaruh literasi keuangan, literasi digital, digital marketing, brand image dan word of mouth terhadap minat generasi z pada bank syariah. Fair Value: Jurnal Ilmiah Akuntansi Dan Keuangan, 4(11), 4971–4982. https://doi.org/10.32670/fairvalue.v4i11.1856
Dahlan, R., Susanto, E., Fauzi, A., & Fauzi, M. (2025). Is the Continuity of Islamic Banking Usage Related to Customer Religiosity ? May. https://doi.org/10.24235/jiesbiv1i3
El-hady, E. H. F. (2024). Pandangan Islam terhadap Etika Kecerdasan Buatan ( Artificial Intelligence ) dalam Kehidupan Sehari-hari. 21(2), 84–98. https://doi.org/10.19105/nuansa.v18i1.xxxx
Fatun, F. (2025). CIRCULAR : Journal Of Economics & Business Management. 01(01).
Haridan, N. M., Hassan, A. F. S., & Karbhari, Y. (2018). Governance, religious assurance and Islamic banks: Do Shariah boards effectively serve? Journal of Management and Governance, 22(4), 1015–1043. https://doi.org/10.1007/s10997-018-9418-8
Hassan, A. Y., & Mohamed, M. A. (2024). Dynamic impacts of economic and environmental performances on agricultural productivity in Somalia: Empirical evidence from ARDL technique. Cogent Food and Agriculture, 10(1). https://doi.org/10.1080/23311932.2024.2369204
Hassan, M., Aziz, L. A.-R., & Andriansyah, Y. (2023). The Role Artificial Intelligence in Modern Banking: An Exploration of AI-Driven Approaches for Enhanced Fraud Prevention, Risk Management, and Regulatory Compliance. Reviews of Contemporary Business Analytics, 6(1), 110–132. https://researchberg.com/index.php/rcba/article/view/153
Kamdzhalov, M. (2020). Islamic Finance and the New Technology Challenges. European Journal of Islamic Finance, May 2020, 1–5. http://ezproxy.lib.swin.edu.au/login?url=http://search.ebscohost.com/login.aspx?direct=true&db=bth&AN=142574990&site=ehost-live&scope=site
Khaer, M., & Anwar, S. (2022). Encouraging Sustainability and Innovation: Green Banking Practices Growing in Indonesia. EKSYAR : Jurnal Ekonomi Syari’ah & Bisnis Islam, 9(2), 173–182. https://doi.org/10.54956/eksyar.v9i2.422
Lesmana, M., Afif, M., Husni, N. I., Raihan, F., & Maulana, I. (2024). Integrating Islamic Finance Principles and The Digital Disruptive Age to Support Global Sustainability. International Journal of Advanced Research in Economics and Finance, 6(2), 204–216.
Ma’sum, A., & Makky, M. C. (2023). Transaksi Kripto Islamicoin Perspektif Hukum Islam (Studi Hasil Putusan Bahtsu Masail Pwnu Jatim Tentang Cryptocurrency). https://dspace.uii.ac.id/handle/123456789/46213%0Ahttps://dspace.uii.ac.id/bitstream/handle/123456789/46213/19421079.pdf?sequence=1
Munawarah, S. A., Ekonomi, F., Bisnis, D., & Nikah, S. (2025). IMPLEMENTATION OF PROFIT AND LOSS SHARING IN MURABAHAH FINANCING AT BPRS BHAKTI SUMEKAR MADYA PAMEKASAN. 900–908.
Nurfarahin Mohd Haridan, Hamizi Nurfarahin, Agung Sriwardhani, Nur Hani Binti Ithanin, & Mohamad Azmi Nias Ahmad. (2023). What Do Shariah Boards Think About Ai? Jurnal Bisnis Terapan, 7(2), 115–127. https://doi.org/10.24123/jbt.v7i2.6061
Otoritas, F., & Keuangan, J. (2025). KINERJA POSITIF PERBANKAN SYARIAH 2024.
Pratama, Y., Fachrurazi, Sani, I., Abdullah, M. A. F., Novianty, H., Narulita, S., Hapsara, O., Zulkarnain, I., Fermayani, R., Sembiring, R. S. R., Abdurrohim, & Islam, D. (2023). Prinsip Dasar Manajemen Pemasaran (Analisis Dan Strategi Di Era Digital). In Paper Knowledge . Toward a Media History of Documents (Vol. 135, Issue 4). https://digilib.iainptk.ac.id/xmlui/bitstream/handle/123456789/2748/23-01-124-EBOOK-Prinsip Dasar Manajemen Pemasaran %28Analisis dan Strategi di Era Digital%29.pdf?sequence=1&isAllowed=y
Purnamasari, A., Oktavianty, M. N., & Agit, A. (2024). DIFUSI TEKNOLOGI DIGITAL DALAM MANAJEMEN KEUANGAN SYARIAH : LITERATURE REVIEW. 6, 17–24.
Qothrunnada, N. A., Iswanto, J., Fitrotus, D., Hendrarti, B. G., & Subekan, S. (2023). Transformasi Digital Lembaga Keuangan Syariah: Peluang dan Implementasinya di Era Industri 4.0. Indonesian Journal of Humanities and Social Sciences, 4(3), 741–756. https://ejournal.iai-tribakti.ac.id/index.php/IJHSS
Rabbani, M. R. (2022). Fintech innovations, scope, challenges, and implications in Islamic Finance: A systematic analysis. International Journal of Computing and Digital Systems, 13(1), 579–608. https://doi.org/10.12785/IJCDS/130147
Sulcitra, Astuti, B. W., & Kamaruddin. (2025). PERKEMBANGAN BANK SYARIAH DI SULAWESI SELATAN : 9(1), 127–133.
Supartoyo, Y. H. (2016). THE STATE OF FINANCIAL INCLUSION FOR AGRICULTURE IN INDONESIA. 7, 1–23.
Supartoyo, Y. H., Juanda, B., Firdaus, M., & Effendi, J. (2018). Pengaruh Sektor Keuangan Bank Perkreditan Rakyat terhadap Perekonomian Regional Wilayah Sulawesi. Kajian Ekonomi Dan Keuangan, 2(1), 15–38. https://doi.org/10.31685/kek.v2i1.207
Syarif, M. F. (2024). Shariah Compliance Management in P2P Financing : An Exploratory Study on Islamic FinTech. 3(Iii), 54–67.
Tsakila, N. F., Wirahadi, M. A., Fadilah, A. A., & Simanjuntak, H. (2024). Analisis Dampak Fintech terhadap Kinerja dan Inovasi Perbankan di Era Ekonomi Digital. Indonesian Journal of Law and Justice, 1(4), 11. https://doi.org/10.47134/ijlj.v1i4.2787
Uddin, H., & Barai, M. K. (2022). Will Digital Revolution be Disruptive for the Inclusive Finance in Bangladesh? The Case of the Microfinance Industry. Evergreen, 9(4), 909–923. https://doi.org/10.5109/6622878
Ummah, M. S. (2019). PRAKTEK BANK SYARIAH DAN TANTANGANNYA. Sustainability (Switzerland), 11(1), 1–14. https://www.syekhnurjati.ac.id/jurnal/index.php/amwal/article/download/234/207
Anovanko, U. B., Wijaya, A., & Nugraha, S. (2025). Implikasi Hukum Perdata terhadap Penggunaan Kecerdasan Buatan ( AI ) dalam Kontrak Komersial. 5, 3637–3653.
Arfaizar, J. (2023). the Enviromental Crisis in the Prespective of Contemporary Islamic Studies in Indonesia. Russian Law Journal, XI(5), 412–427. https://cyberleninka.ru/article/n/the-enviromental-crisis-in-the-prespective-of-contemporary-islamic-studies-in-indonesia
Arfaizar, J., Ayu, N., Riyanto, F., Yusdani, Y., & Muliadi, S. (2023). Dinamika Kontemporer Dalam Transaksi Perbankan Syariah Dan Problematikanya. Wadiah, 7(2), 163–191. https://doi.org/10.30762/wadiah.v7i2.327
Banna, H. (2025). Digital Financial Inclusion and Bank Stability in a Dual Banking System: Does Financial Literacy Matter? Journal of Islamic Monetary Economics and Finance, 11(1), 63–90. https://doi.org/10.21098/jimf.v11i1.2650
Dafiq, B. I., Hidayati, A. N., & Habib, M. A. F. (2022). Pengaruh literasi keuangan, literasi digital, digital marketing, brand image dan word of mouth terhadap minat generasi z pada bank syariah. Fair Value: Jurnal Ilmiah Akuntansi Dan Keuangan, 4(11), 4971–4982. https://doi.org/10.32670/fairvalue.v4i11.1856
Dahlan, R., Susanto, E., Fauzi, A., & Fauzi, M. (2025). Is the Continuity of Islamic Banking Usage Related to Customer Religiosity ? May. https://doi.org/10.24235/jiesbiv1i3
El-hady, E. H. F. (2024). Pandangan Islam terhadap Etika Kecerdasan Buatan ( Artificial Intelligence ) dalam Kehidupan Sehari-hari. 21(2), 84–98. https://doi.org/10.19105/nuansa.v18i1.xxxx
Fatun, F. (2025). CIRCULAR : Journal Of Economics & Business Management. 01(01).
Haridan, N. M., Hassan, A. F. S., & Karbhari, Y. (2018). Governance, religious assurance and Islamic banks: Do Shariah boards effectively serve? Journal of Management and Governance, 22(4), 1015–1043. https://doi.org/10.1007/s10997-018-9418-8
Hassan, A. Y., & Mohamed, M. A. (2024). Dynamic impacts of economic and environmental performances on agricultural productivity in Somalia: Empirical evidence from ARDL technique. Cogent Food and Agriculture, 10(1). https://doi.org/10.1080/23311932.2024.2369204
Hassan, M., Aziz, L. A.-R., & Andriansyah, Y. (2023). The Role Artificial Intelligence in Modern Banking: An Exploration of AI-Driven Approaches for Enhanced Fraud Prevention, Risk Management, and Regulatory Compliance. Reviews of Contemporary Business Analytics, 6(1), 110–132. https://researchberg.com/index.php/rcba/article/view/153
Kamdzhalov, M. (2020). Islamic Finance and the New Technology Challenges. European Journal of Islamic Finance, May 2020, 1–5. http://ezproxy.lib.swin.edu.au/login?url=http://search.ebscohost.com/login.aspx?direct=true&db=bth&AN=142574990&site=ehost-live&scope=site
Khaer, M., & Anwar, S. (2022). Encouraging Sustainability and Innovation: Green Banking Practices Growing in Indonesia. EKSYAR : Jurnal Ekonomi Syari’ah & Bisnis Islam, 9(2), 173–182. https://doi.org/10.54956/eksyar.v9i2.422
Lesmana, M., Afif, M., Husni, N. I., Raihan, F., & Maulana, I. (2024). Integrating Islamic Finance Principles and The Digital Disruptive Age to Support Global Sustainability. International Journal of Advanced Research in Economics and Finance, 6(2), 204–216.
Ma’sum, A., & Makky, M. C. (2023). Transaksi Kripto Islamicoin Perspektif Hukum Islam (Studi Hasil Putusan Bahtsu Masail Pwnu Jatim Tentang Cryptocurrency). https://dspace.uii.ac.id/handle/123456789/46213%0Ahttps://dspace.uii.ac.id/bitstream/handle/123456789/46213/19421079.pdf?sequence=1
Munawarah, S. A., Ekonomi, F., Bisnis, D., & Nikah, S. (2025). IMPLEMENTATION OF PROFIT AND LOSS SHARING IN MURABAHAH FINANCING AT BPRS BHAKTI SUMEKAR MADYA PAMEKASAN. 900–908.
Nurfarahin Mohd Haridan, Hamizi Nurfarahin, Agung Sriwardhani, Nur Hani Binti Ithanin, & Mohamad Azmi Nias Ahmad. (2023). What Do Shariah Boards Think About Ai? Jurnal Bisnis Terapan, 7(2), 115–127. https://doi.org/10.24123/jbt.v7i2.6061
Otoritas, F., & Keuangan, J. (2025). KINERJA POSITIF PERBANKAN SYARIAH 2024.
Pratama, Y., Fachrurazi, Sani, I., Abdullah, M. A. F., Novianty, H., Narulita, S., Hapsara, O., Zulkarnain, I., Fermayani, R., Sembiring, R. S. R., Abdurrohim, & Islam, D. (2023). Prinsip Dasar Manajemen Pemasaran (Analisis Dan Strategi Di Era Digital). In Paper Knowledge . Toward a Media History of Documents (Vol. 135, Issue 4). https://digilib.iainptk.ac.id/xmlui/bitstream/handle/123456789/2748/23-01-124-EBOOK-Prinsip Dasar Manajemen Pemasaran %28Analisis dan Strategi di Era Digital%29.pdf?sequence=1&isAllowed=y
Purnamasari, A., Oktavianty, M. N., & Agit, A. (2024). DIFUSI TEKNOLOGI DIGITAL DALAM MANAJEMEN KEUANGAN SYARIAH : LITERATURE REVIEW. 6, 17–24.
Qothrunnada, N. A., Iswanto, J., Fitrotus, D., Hendrarti, B. G., & Subekan, S. (2023). Transformasi Digital Lembaga Keuangan Syariah: Peluang dan Implementasinya di Era Industri 4.0. Indonesian Journal of Humanities and Social Sciences, 4(3), 741–756. https://ejournal.iai-tribakti.ac.id/index.php/IJHSS
Rabbani, M. R. (2022). Fintech innovations, scope, challenges, and implications in Islamic Finance: A systematic analysis. International Journal of Computing and Digital Systems, 13(1), 579–608. https://doi.org/10.12785/IJCDS/130147
Sulcitra, Astuti, B. W., & Kamaruddin. (2025). PERKEMBANGAN BANK SYARIAH DI SULAWESI SELATAN : 9(1), 127–133.
Supartoyo, Y. H. (2016). THE STATE OF FINANCIAL INCLUSION FOR AGRICULTURE IN INDONESIA. 7, 1–23.
Supartoyo, Y. H., Juanda, B., Firdaus, M., & Effendi, J. (2018). Pengaruh Sektor Keuangan Bank Perkreditan Rakyat terhadap Perekonomian Regional Wilayah Sulawesi. Kajian Ekonomi Dan Keuangan, 2(1), 15–38. https://doi.org/10.31685/kek.v2i1.207
Syarif, M. F. (2024). Shariah Compliance Management in P2P Financing : An Exploratory Study on Islamic FinTech. 3(Iii), 54–67.
Tsakila, N. F., Wirahadi, M. A., Fadilah, A. A., & Simanjuntak, H. (2024). Analisis Dampak Fintech terhadap Kinerja dan Inovasi Perbankan di Era Ekonomi Digital. Indonesian Journal of Law and Justice, 1(4), 11. https://doi.org/10.47134/ijlj.v1i4.2787
Uddin, H., & Barai, M. K. (2022). Will Digital Revolution be Disruptive for the Inclusive Finance in Bangladesh? The Case of the Microfinance Industry. Evergreen, 9(4), 909–923. https://doi.org/10.5109/6622878
Ummah, M. S. (2019). PRAKTEK BANK SYARIAH DAN TANTANGANNYA. Sustainability (Switzerland), 11(1), 1–14. https://www.syekhnurjati.ac.id/jurnal/index.php/amwal/article/download/234/207
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2025-06-23
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