Prospects For The Development of Sharia Banking  In Indonesia In The Digital Era

Gita Purnama Sari; Shelva Aurellia Naswya; Reis Alta Peggi; Muhammad Ghani Rizki Mei Vani; Choiriyah Choiriyah

doi:10.36908/ibis.v1i1.1531

Authors

Gita Purnama Sari Universitas Indo Global Mandiri
Shelva Aurellia Naswya Universitas Indo Global Mandiri
Reis Alta Peggi Universitas Indo Global Mandiri
Muhammad Ghani Rizki Mei Vani Universitas Indo Global Mandiri
Choiriyah Choiriyah Universitas Indo Global Mandiri

DOI: https://doi.org/10.36908/ibis.v1i1.1531

Keywords:

Digitalization, Islamic Banking, Financial Inclusion, Technological Transformation, Strategy

Abstract

This study aims to analyze the prospects for the development of Islamic banking in Indonesia in the digital era. Using a qualitative approach based on literature review, this paper explores the digital transformation of Islamic banking systems, emerging opportunities from technological advances, and structural challenges faced by the industry. The findings reveal that digitalization significantly enhances operational efficiency, financial inclusion, and Sharia-compliant product innovation. However, issues such as low Islamic financial literacy, data security, and human resource readiness remain key obstacles. Proposed strategies include strengthening digital infrastructure, collaborating with fintech companies, innovating within Islamic principles, and adopting adaptive regulatory frameworks. With the right synergy, Islamic banking can grow sustainably and contribute to an inclusive, ethical, and fair financial system.

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