TANTANGAN REGULAGI PRODUK UANG ELEKTRONIK SYARIAH DALAM EKOSISTEM KEUANGAN DIGITAL DI INDONESIA
DOI:
https://doi.org/10.24252/iqtishaduna.v7i2.63312Abstrak
Abstrak
Studi ini membahas transformasi digital, mencakup peluang, tantangan, dan dampaknya terhadap inklusi keuangan berbasis Syariah di Indonesia. Dengan kemajuan teknologi digital, layanan keuangan Islam berpotensi menjangkau populasi yang lebih luas dan meningkatkan efisiensi serta transparansi. Transformasi digital memungkinkan masyarakat di daerah terpencil untuk mengakses perbankan dan layanan keuangan Islam dengan mudah melalui platform digital seperti dompet elektronik, mobile banking, dan aplikasi fintech Islam. Studi ini menggunakan pendekatan deskriptif, memanfaatkan data dari referensi, literatur penelitian sebelumnya, buku, laporan, dan sumber lainnya. Studi ini menyimpulkan bahwa untuk meningkatkan inklusi keuangan Islam, kolaborasi antara pemerintah, lembaga keuangan, dan pengembang teknologi sangat penting untuk menciptakan ekosistem yang mendukung pertumbuhan fintech Islam. Selain itu, peningkatan literasi keuangan melalui program pendidikan terstruktur sangatlah penting. Transformasi digital telah terbukti menjadi salah satu metode terbaik untuk memperluas inklusi keuangan Islam, yang membawa manfaat ekonomi dan sosial yang lebih besar bagi masyarakat Indonesia.
Kata Kunci: Peluang Transformasi digital; Tantangan tranformasi digital; Dampak Transformasi Digital Berbasis Ekonomi Syariah di Indonesia
Abstract
This study discusses digital transformation, encompassing opportunities, challenges, and its impact on Sharia-based financial inclusion in Indonesia. With the advancement of digital technology, Islamic financial services have the potential to reach a broader population and enhance efficiency and transparency. Digital transformation enables communities in remote areas to easily access Islamic banking and financial services through digital platforms such as e-wallets, mobile banking, and Islamic fintech applications. This study employs a descriptive approach, utilizing data from references, previous research literature, books, reports, and other sources. The study concludes that to enhance Islamic financial inclusion, collaboration among the government, financial institutions, and technology developers is essential to create an ecosystem that supports the growth of Islamic fintech. Additionally, increasing financial literacy through structured educational programs is crucial. Digital transformation has proven to be one of the best methods for expanding Islamic financial inclusion, bringing greater economic and social benefits to the Indonesian society.
Keywords: Digital transformation opportunities; Challenges of digital transformation; Impact of Sharia-based digital transformation in Indonesia
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Hak Cipta (c) 2025 Selviani, Linda Nur Fadila, Amanda Novita Hardi, Kamaruddin, Muh. Ahsan Kamil
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