DIGITAL BANKING: INOVASI DAN IMPLEMENTASI DI INDUSTRI PERBANKAN SYARIAH KOTA MAKASSAR

Abstrak

Penelitian ini bertujuan untuk menganalisis pengaruh inovasi digital banking terhadap transformasi industri perbankan syariah di Kota Makassar. Fokus penelitian meliputi efisiensi operasional, jangkauan layanan, dan dampaknya terhadap kepuasan nasabah. Data diperoleh melalui studi literatur yang mencakup berbagai inovasi seperti mobile banking, internet banking, QRIS, chatbot, dan biometric authentication. Hasil penelitian menunjukkan bahwa inovasi digital banking berkontribusi signifikan terhadap peningkatan kualitas layanan perbankan syariah. Inovasi ini secara parsial meningkatkan efisiensi operasional dan memberikan kemudahan akses bagi nasabah, terutama generasi milenial dan Gen-Z yang lekat dengan teknologi. Secara simultan, layanan digital banking juga berperan dalam memperluas inklusi keuangan, khususnya di daerah terpencil yang sebelumnya sulit dijangkau oleh layanan konvensional. Tantangan dalam implementasi digital banking mencakup isu keamanan siber dan kepatuhan terhadap prinsip syariah. Bank syariah harus memastikan bahwa setiap inovasi tidak hanya aman tetapi juga sesuai dengan nilai-nilai Islam. Secara keseluruhan, transformasi digital banking tidak hanya menjadi langkah adaptif terhadap perubahan zaman tetapi juga strategi efektif untuk meningkatkan daya saing bank syariah di Kota Makassar. Inovasi ini diharapkan terus berkontribusi positif terhadap pertumbuhan industri perbankan syariah dan kepuasan nasabah.

This study aims to analyze the impact of digital banking innovations on the transformation of the Islamic banking industry in Makassar City. The research focuses on operational efficiency, service reach, and its impact on customer satisfaction. Data was obtained through a literature review covering various innovations such as mobile banking, internet banking, QRIS, chatbots, and biometric authentication. The results indicate that digital banking innovations significantly contribute to improving the quality of Islamic banking services. These innovations partially enhance operational efficiency and provide easier access for customers, particularly millennials and Gen-Z, who are familiar with technology. Simultaneously, digital banking services also play a role in expanding financial inclusion, especially in remote areas that were previously difficult to reach with conventional services. Challenges in implementing digital banking include cybersecurity issues and compliance with Sharia principles. Islamic banks must ensure that every innovation is not only secure but also adheres to Islamic values. Overall, the transformation through digital banking is not only an adaptive step toward changing times but also an effective strategy to enhance the competitiveness of Islamic banks in Makassar City. These innovations are expected to continue contributing positively to the growth of the Islamic banking industry and customer satisfaction.