Analisis Strategi Bisnis Bank Digital Syariah di Indonesia
DOI:
https://doi.org/10.46963/jam.v6i2.1324Keywords:
Business Strategy, Bank, Digital ShariaAbstract
Digital banks are part of the digitalization of financial institutions which aims to facilitate financial inclusion for all groups. Sharia digital banks are a type of banking institution that provides practical and easy online services based on sharia principles so that customers do not need to come to a branch office. Sharia digital banks are among the latest innovations in the banking industry in Indonesia. This article aims to analyze the internal and external conditions of Islamic digital banks in Indonesia and formulate strategies that will be implemented by Islamic digital banks to take advantage of strengths and opportunities and overcome weaknesses and threats. This research uses the SWOT method. The results show several strengths (such as being the first pure digital Islamic bank in Indonesia, recipient of the Most Promising Islamic Digital Bank 2021 award at the CNBN Indonesia Award 2021), weaknesses (such as requiring a supporting internet connection), opportunities (such as: continued growth of internet users in Indonesia), and threats (such as cybercrime attacks). Based on the results of the SWOT analysis, the comparative advantage cell, mobilization cell, divestment/investment cell and damage control cell were obtained.
Downloads
References
Ahmed, S., & Sur, S. (2021). Change in the uses pattern of digital banking services by Indian rural MSMEs during demonetization and Covid-19 pandemic-related restrictions. Vilakshan - XIMB Journal of Management, 20(1), 166–192. https://doi.org/10.1108/XJM-09-2020-0138
Bankuoru Egala, S., Boateng, D., & Aboagye Mensah, S. (2021). To leave or retain? An interplay between quality digital banking services and customer satisfaction. International Journal of Bank Marketing, 39(7), 1420–1445. https://doi.org/10.1108/IJBM-02-2021-0072/FULL/XML
Bayu, D. (2022). Sebanyak 86,9% Penduduk Indonesia Beragama Islam. https://dataindonesia.id/ragam/detail/sebanyak-869-penduduk-indonesia-beragama-islam
CNBC. (2021). Bank Aladin Syariah The Most Promising Islamic Digital Bank. https://www.cnbcindonesia.com/market/20211021153558-19-285536/bank-aladin-syariah-the-most-promising-islamic-digital-bank
Datareportal. (2022). Digital 2020: Indonesia.
Desky, H., & Maulina, I. (2022). Digital Transformation in Islamic Banking. International Journal of Multidisciplinary Research and Analysis, 05(12). https://doi.org/10.47191/ijmra/v5-i12-42
Dinç, Y., Nagayev, R., & Jahangir, R. (2021). Analysis of Europe’s First Fully-Fledged Islamic Digital Bank in the Arena of New Age Banking Islamic Finance in Central Asia and Russia View project Bilimsel Araştırma Projeleri (BAP) View project Analysis of Europe’s First Fully-Fledged Islamic Digital.
Intan, N. (2021). Sejak 2020, Laporan Cyber Crime Perbankan Capai 200 Ribu | Republika Online. https://www.republika.co.id/berita/r2bdju349/sejak-2020-laporan-cyber-crime-perbankan-capai-200-ribu
Maierbrugger, A. (2020). Malaysia builds framework for digital Islamic banks. https://www.gulf-times.com/story/654386/Malaysia-builds-framework-for-digital-Islamic-bank
Marginingsih, R. (2019). Analisis SWOT Technology Financial (FinTech) Terhadap Industri Perbankan. Cakrawala-Jurnal Humaniora, 19(1).
Mawarni, R., & Fasa’, M. I. (2021). Penerapan Digital Banking Bank Syariah sebagai Upaya Customer Retantion pada Masa Covid-19. Al Iqtishod, 9(2), 39–54. https://doi.org/10.37812/AL
Nguyen, T. P., Lan, T., & Dang, P. (2018). Digital Banking in Vietnam Current Situation and Recommendations. International Journal of Innovation and Research in Educational Sciences, 5(4), 2349–5219.
Puspaningtyas, L. (2021). Gubernur BI: Selain Fiqih, Santri Juga Harus Ngaji Sugih. https://www.republika.co.id/berita/pjk1l3383/gubernur-bi-selain-fiqih-santri-juga-harus- ngaji-sugih
Putra, T., & Gunawan, A. (2021). “Aladin, Bank Murni Digital Syariah Pertama.” https://www.cnbcindonesia.com/market/20211021094607-17-285369/aladin-bank-murni-digital-syariah-pertama
Riani, R., & Rusydiana, A. S. (2022). Scientometric Analysis Of Digital Banking: Future Islamic Digital Bank In Indonesia. International Journal of Islamic Business Ethics, 7(2), 125. https://doi.org/10.30659/ijibe.7.2.125-137
Winasis, S., & Rianto, S. (2020). Transformasi Digital di Industri Perbankan Indonesia: Impak pada Stress Kerja Karyawan. Iqtishadia: Jurnal Ekonomi & Perbankan Syariah, 7(1), 56.
Downloads
Published
How to Cite
Issue
Section
License
Copyright (c) 2023 Disfa Lidian Handayani, Widiya Nur Anisa
This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.
Authors who publish with this journal agree to the following terms:
1. Copyright on any article is retained by the author(s).
2. The author grants the journal, right of first publication with the work simultaneously licensed under a Creative Commons Attribution shareAlike 4.0 International License that allows others to share the work with an acknowledgment of the work’s authorship and initial publication in this journal.
3. Authors are able to enter into separate, additional contractual arrangements for the non-exclusive distribution of the journal’s published version of the work (e.g., post it to an institutional repository or publish it in a book), with an acknowledgment of its initial publication in this journal.
4. Authors are permitted and encouraged to post their work online (e.g., in institutional repositories or on their website) prior to and during the submission process, as it can lead to productive exchanges, as well as earlier and greater citation of published work.
5. The article and any associated published material is distributed under the Creative Commons Attribution-ShareAlike 4.0 International License
2.png)
