INOVASI PRODUK PERBANKAN SYARIAH BERBASIS FINTECH
Keywords:
Islamic Banking, Fintech Innovation, Sharia Compliance, Digital Financial Products, Financial InclusionAbstract
ABSTRACT
The rapid advancement of financial technology (fintech) has fundamentally altered the operational landscape of Islamic banking institutions, particularly in Indonesia as the world's largest Muslim-majority country. This study examines three principal dimensions: the forms of fintech-based product innovation in Islamic banking, the Sharia compliance frameworks governing such innovations, and the implementation challenges encountered by institutions. Employing a systematic library research methodology, this study synthesizes findings from reputable academic journals and books published within the last five years. The analysis reveals that Islamic banks have actively adopted various fintech modalities including mobile banking applications, peer-to-peer Sharia financing platforms, digital takaful, Sharia wealthtech, and Islamic digital payment systems while maintaining adherence to prohibitions against riba, gharar, and maysir. Nevertheless, digital infrastructure gaps, low financial literacy, regulatory ambiguity, and cybersecurity vulnerabilities remain persistent obstacles. This study contributes an integrative conceptual framework for accelerating responsible fintech adoption in Islamic banking.
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