PERAN DAN DAMPAK FINACIAL TECHLONOGY (FINTECH) TERHADAP OPERASIONAL BANK SYARIAH

Abstract

The development of financial technology (fintech) has brought significant transformation to the banking industry, including Islamic banks. This study aims to analyze the role and impact of fintech on the operations of Islamic banks in Indonesia. Using a qualitative descriptive approach with literature study, this research examines various aspects of fintech adoption in Islamic bank operations. The results show that fintech plays an important role in improving the operational efficiency of Islamic banks through process automation, service digitalization, and risk management optimization. The positive impact of fintech adoption is reflected in the improvement of financial ratios such as Return on Assets (ROA), expansion of access to Islamic financial services, and increased customer satisfaction. However, fintech implementation in Islamic banks faces significant challenges, including compliance with sharia principles, limited digital infrastructure, human resource gaps, and regulatory frameworks that have not fully supported. This study recommends strengthening collaboration among stakeholders, improving digital literacy, and developing adaptive regulations to create a sustainable sharia fintech ecosystem