PERAN SISTEM TEKNOLOGI INFORMASI DENGAN EFISIENSI OPERASIONAL BANK SYARIAH MODERN
DOI:
https://doi.org/10.53958/mt.v6i04.881Abstract
This study aims to analyze the role of information technology systems in enhancing operational efficiency in modern Islamic banks. The implementation of information technology is considered essential for accelerating services, improving data accuracy, reducing administrative costs, and expanding the reach of digital financial services in the Islamic banking sector. This research employs a qualitative approach to explore processes, experiences, and the application of digital services in several Islamic banks that have implemented mobile banking, internet banking, and IT-based internal management systems. The findings reveal that information technology significantly improves operational efficiency and effectiveness through transaction digitalization, administrative process automation, mobile banking utilization, e-procurement systems, integration of digital payment features, and the adoption of fintech solutions. Information technology also strengthens data security and enhances service quality for customers. However, its implementation presents challenges such as cybersecurity risks, infrastructure readiness, human resource competence, and compliance with Sharia principles. Overall, the application of information technology systems contributes substantially to improving efficiency, productivity, and competitiveness in modern Islamic banking.
References
Aini, Syarifah, Br Sinaga, Muhammad Irwan, Padli Nasution, Fakultas Ekonomi, Dan Bisnis, Universitas Islam, and Negeri Sumatera. 2025. “Tantangan Dan Peluang Menuju Sistem Pembayaran Yang Lebih Terintegrasi.” Jurnal Rumpun Manajemen dan Ekonomi, 2(1):14–19.
Fasa, Muhammad Iqbal, Universitas Islam, Negeri Raden, and Intan Lampung. 2024. “YANG MENGUBAH LANSKAP PERBANKAN SYARIAH DI INDONESIA DIGITAL TRANSFORMATION INDUSTRY ERA 4 . 0 SERVICE REVOLUTION THAT CHANGES THE SHARIA BANKING LANDSCAPE IN INDONESIA.” (November):7653–67.
Husna, F. (2020). Wajah Ekonomi 4.0: Perbankan Syari'ah Digital, Peningkatan Daya Saing dan Strategi Dakwah Islam. Idarotuna, 3(1), 59-70.
Laksono, Bayu Aji. 2024. “Pemanfaatan Teknologi Dalam Perkembangan Operasional Perbankan Syariah.”Jurnal Rumpun Manajemen dan Ekonomi,1(3):117–24.
Lamondo, Mohamad Safriyanto. 2025. “Peran Teknologi Dalam Manajemen Strategi Perbankan Syariah Di Era Ekonomi Digital.” Jurnal Publikasi Sistem Informasi dan Manajemen Bisnis, 3:159–66.
Rahmawati, Eka, Arfita Ningsih, Dita Dwi Nabila, Ayu Puji Lestari, Universitas Sumbawa, Sumbawa Besar, Article Info, Article History, Digital Transformation, and New Opportunities. 2024. “TRANSFORMASI DIGITAL : PELUANG BARU BAGI.” 178–86.
Ramzy, Al, Parulian Sibuea, Zulfahri Salim, Salwa Latipah, Putri Ramadani, Fakultas Ekonomi, Dan Bisnis, Universitas Islam, Negeri Sumatera, and Bank Syariah. 2024. “SISTEM TEKNOLOGI INFORMASI DALAM.” 9(204):3854–66.
Rizal, Moh, Mutafikatul Khoiriyah, Kurnia Nurfidaus, and Renny Oktafia. 2024. “Pemanfaatan Teknologi Dalam Perkembangan Operasional Perbankan Syariah.” Economic and Business Management International Journal, 6(2):113–19.
Sakinah, Ina Nailah, Rifqy Wahyudi, Nadia Salzabila, and Kamaruddin Arsyad. n.d. “Inovasi Dan Kreativitas Dalam Ekonomi SYARIAH.” 7(12):331–38.
Siregar, Budi Gautama, Aswadi Lubis, Muhammad Salman, Fakultas Ekonomi, and Universitas Samudra. 2023. “Efisiensi Operasional Bank Umum Syariah.” Jurnal Penelitian Ekonomi Akuntansi, 7:264–78.
