ELECTRONIC BANKING: OPPORTUNITIES AND FUTURE CHALLENGES OF ISLAMIC ECONOMY IN INDONESIA

Maharani, Shinta and Ulum, Miftahul and Purnomo, Agus (2020) ELECTRONIC BANKING: OPPORTUNITIES AND FUTURE CHALLENGES OF ISLAMIC ECONOMY IN INDONESIA. INTERNATIONAL JOURNAL ON ISLAMIC APPLICATIONS IN COMPUTER SCIENCE AND TECHNOLOGY, 8 (1). pp. 1-10. ISSN ISSN: 22894012

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Abstract

The emergence of technological innovation and economic digitalization through social media or shopping applications affects the economic and social activities of the community. The economic system has changed from a conventional manual to the modern one. A simple conception of a digital economy, though not yet standard, is part of economic output that
incorporates internet-based multipurpose technology applied in a varied digital business model of goods or services. Islamic economy support for the growth of financing through the electronic banking and empowerment of the national economy by the Islamic economy needs to be encouraged and maximized its role in electronic banking. Principle-based regulation could be one of the roles that could be taken in developing halal product innovations that are trending through the internet banking platform. With this technology, it is expected to be able to improve the sector of Islamic economic growth in Indonesia. The Islamic economy is expected to be a bridge in the direction of financial inclusion in the electronic banking, such as; (a) platform affordability in the unbanked segment, (b) strong collaboration between Islamic financial service providers
through the electronic banking, (c) widespread digitalized sharia banking practices, and (d)media for regulators of Islamic economy development, and (e) ladder to no longer be at the level of SMEs but through startup. To know and analyze this phenomenon, it is deemed necessary to do research related to electronic banking; especially Islamic economy policy based on standard classification and also the opportunities or challenges itself.
The method of this research is quantitative with 108 respondents, with several statistical tests. The result is the electronic banking expected to be a vehicle in improving public services,funds or and new technologies that are expected to have an opportunity to provide prime, fast and
affordable Islamic economy services to all levels of society. Electronic banking is one example of the ease of finance activities in the digital economy. This activity makes the efficiency and effectiveness of time on the sidelines of work activities that consume attention and extra energy,however, in reality, not all the people convenience and helped by using electronic banking
applications. Technology facilitates Islamic Banking by using the Syariah E-Banking application.This Syariah Banking Application is a banking service that combines information systems and technology to support banking activities without having to visit a bank office. Electronic banking applications include phone banking, mobile banking and internet banking. Customers could access electronic banking applications via computer / PC, PDA, ATM, or Telephone. Seeing the existence of very rapid technological developments at this time, technological developments in
banking are also increasingly sophisticated starting from E-banking in the form of ATMs then Phone Banking then Internet Banking and SMS / M-Banking. However, with the development of this technology, customers must also be smart and wise to choose what electronic media they need. The view of Islamic Law on electronic Banking is that electronic Banking transactions are muamalah transactions that are allowed because there is a great benefit for the community, especially Muslim customers who use electronic banking services.

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