STRATEGI PENGEMBANGAN FINTECH PADA PRODUK DAN LAYANAN di BANK SYARIAH
Keywords:
Financial Technology, Sharia Bank, SWOT Analysis.Abstract
Financial technology is an innovation in the field of financial services that performs financial transactions with the Internet system. Fintech encourages the banking sector to adapt and adapt in an increasingly advanced and evolving technological age. This study aims to analyze fintech applications in sharia banking and design appropriate development strategies regarding fintech at Bank BSI KC Bukittinggi. This type of research is research with descriptive qualitative approach in which data analysis uses SWOT matrix to determine opportunities and challenges Data collection was carried out by interview and documentation method with Branch Office Service Manager and Costumer Service Bank BSI KC Bukittinggi. The results of this study are that there are many advantages obtained by using fintech and a suitable fintech development strategy, namely the SO (Stregth - Opportunities) strategy. The strategy of harnessing power to gain opportunities is: 1. Creating and facilitating business operators (MSMEs), students and the general public with the choice of technology access to products and services, 2. Always pay attention to the market share and innovate on the existing financial technology of the Bank, 3. Improving and guaranteeing the quality of service for customers, 4. Expanding the network of Fintech services so that it is expected that Bukittinggi city will have even access to financial technology.
References
Anggito Albi, ‘metodologi Penelitian Kualitatif’, (Jejak, 2018)
Ansori, Miswan, ‘Perkembangan Dan Dampak Financial Technology (Fintech) Terhadap Industri Keuangan Syariah Di Jateng’, Wahana Islamika : Jurnal Studi Keislaman, 2019
Azmi, Nurul, And Yuni Yuniawati, ‘Pengaruh Financial Technology Terhadap Profitabilitas Bank Mandiri’, Joournal Of Trends Economic And Accounting Research, 2022
Chrismastianto, Imanuel Adithya Wulanata, ‘Analisis Swot Implementasi Teknologi Finansial Terhadap Kualitas Layanan Perbankan Di Indonesia’, Jurnal Ekonomi Dan Bisnis, 2017
Cupian, And Farid Fauzy Akbar, ‘Analysis Of Differences In Sharia Banking Profitability Level Before And After’, Jurnal Ekonnommi Syariah Teori Dan Terapan, 2020
David, Fred R., ‘Manajemen Strategi Konsep’, (Salemba Empat, 2009)
Fardana, Nazela, Nisha Nor Rahmawati, Nur Rohmayaty, And Pravita Salbia Nurmanda, ‘Implementasi Produk Layanan Pembiayaan Syariah Berbasis Financial Technology’, At-Tawassuth, 2021
Freddy Rangkuty, ‘Analisis SWOT Teknik membedah kasus bisnis : reorientasi konsep perencanaan strategis untuk menghadapi abad 21’, (PT. Gramedia Pustaka Utama, 2015)
Hakim Lukmanul, Hapsari Recca Ayu, ‘Buku Ajar Financial Technology LAW’, (CV. Adanu Abimata, 2022)
Hasni, ‘Peran Financial Technology Dalam Meningkatkan Kinerja Perbankan Syariah Di Indonesia’, Jurnal Ekonomi Dan Bisnis, 2022
Hartono Jogiyanto, ‘Metode Pengumpulan Data dan Teknik Analisis Data’, (Penerbit Andi, 2018)
Kamaruddin, Suhardi, ‘Implementasi Akad Mudharabah Dan Musyarakah Pada Teknologi Finansial Syariah Dengan Pendekatan Kemaslahatan’, Al-Mashrafiyah: Jurnal Ekonomi, Keuangan, Dan Perbankan Syariah, 2022
Kasmir, ‘Dasar-Dasar Perbankan’, (PT. Jasa Grafindo, 2014)
Kearns, Kevin P., ‘From Comparative Adventage to Damage Control : Clarifying Strategic Issues Using SWOT Analysis’, Nonprofit Management & Leadership, 1992
Kholifah, Nurul, And Very Andrianingsih, ‘Peluang Dan Tantangan Implementasi Financial Technology (Fintech) Pada Perbankan Syariah Dalam Meningkatkan Keuangan Inklusif’, Jurnal Studi Keislaman, 2020
Mazza Basya, Maziyah, And Betty Utami Silfia Ayu, ‘Analisis Swot Dengan Model Importance Performance Analysis (Ipa) Pada Layanan Fintech Bank Syariah Di Indonesia’, El-Qist : Journal Of Islamic Economics And Business (Jieb), 2020
Mediatama, Anfa, ‘Jurnal Pendidikan : Analisis Swot Financial Technology ( Fintech ) Perbankan Syariah Pada Pt . Bank Sumut Uin Syekh Ali Hasan Ahmad Addary Visit Us Jurnal Pendidikan : Seroja Anfa Mediatama Jurnal Pendidikan : Pendahuluan Perkembangan Ilmu Pengetahuan Dan’, Jurnal Pendidikan :Seroja, 2023
Moleong J. Lexy, ‘Metode Penelitian Kualitatif’, (Remaja Rosdakarya, 2018)
Muchlis, Ridwan, ‘Analisis Swot Financial Technology (Fintech) Pembiayaan Syariah Di Indonesia’, At-Tawassuth, 2019
Muliza, ‘Persepsi Masyarakat Non-Muslim Terhadap Perbankan Syariah Di Kota Banda Aceh’, Jurnal Ilmiah Prodi Muamalah, 2022
Novitarani, Anisah, And Ro’fah Setyowati, ‘Analisis Crowdfunding Syariah Berdasarkan Prinsip Syariah Compliance Serta Implementasinya Dalam Produk Perbankan Syariah’, Al-Manahij: Jurnal Kajian Hukum Islam, 2018
Nurlinda, And Muhammad Zuhirsyan, ‘Mengapa Memilih Bank Syariah’, Jurnal Bisma Cendikia, 2020
Rahma Tri Inda Fadhila, ‘Persepsi Masyarakat Kota Medan Terhadap Penggunaan Financial technology (Fintech)’, Al-Tawassuth, 2018
Rahmawati Imami Nur, ‘Pengumpulan Data Dalam Penelitian Kualitatif’, Jurnal Keperawatan Indonesia, 2007
Rokibah, Siti, ‘Analisis Swot Perbankan Syariah Menghadapi Perkembangan Fintech (Studi Kasus Di Pt. Bank Bsi Kantor Cabang Mataram Pejanggik 1)’, Febi Uin Mataram, 2021
Saleh, Muhammad, Andiny Utari, And Abdul Wahab, ‘Analisis Penggunaan Fintech Syariah Perspektif Mashlahah Mursalah’, Al-Buhuts, 2020
Sugiyono, ‘Metode Penelitian Kuantitatif, Kualitatif dan R&D’, (CV Alvabeta, 2018)
Tanzeh Ahmad, ‘Pengantar Metode Penelitian’, (Teras, 2009)
Tiyan, Lucky Ades, ‘Analisis Swot Financial Technology (Fintech) Perbankan Syariah Terhadap Kualitas Pelayanan Bank Syariah (Studi Pada Pt. Bank Syariah Mandiri Kcp Kedaton Bandar Lampung Dan Pt. Bank Bni Syariah Kc Tanjung Karang Bandar Lampung)’, Jurnal Fakultas Ekonomi Dan Bisnis Islam, 2020
Trimulato, Zakiah Saidah Fitri, And Ibnu Qizam, ‘Linkage Bank Syariah Dan Fintech Syariah Penyaluran Pembiayaan Berbasis Digital Dan Risiko Pembiayaan’, Jurnal Ilmiah Ekonomi Islam, 2022
Umar Husein, ‘Riset Pemasaran dan Prilaku konsumen’, (PT. Gramedia Pustaka Utama, 2010)
Yuliza, Arni, ‘Analisis Swot Terhadap Penerapan Financial Technology ( Fintech ) Pada Perbankan Syariah ( Studi Pada Pt . Bank BSI ), Uin Ar-Rainy Aceh, 2023
Downloads
Published
Issue
Section
License
Copyright (c) 2024 Jurnal Ekonomi dan Bisnis
This work is licensed under a Creative Commons Attribution-NonCommercial-ShareAlike 4.0 International License.
