Model Financial Technology (Fintech) Syariah di Sumatera Utara

Abstract

This study aims to analyze Islamic Financial Technology (Fintech) using a SWOT analysis approach in North Sumatra. This type of research uses qualitative research methods. Data collection techniques in research using interviews. This research was conducted in several Islamic Banks in North Sumatra, such as Bank Syariah Indonesia, BCA Syariah, Bank Mega Syariah, Bank Niaga Syariah and Bank Muamalat Indonesia. Data analysis technique with SWOT analysis. The results show that the opportunity for Islamic financial technology for Islamic banking is how financial technology as a newcomer can synergize with financial institutions, especially Islamic banking. After the researchers conducted the analysis, the conclusion of the financial technology opportunity is the opportunity to create income for Islamic Banking through collaboration with financial technology companies. And can facilitate customers such as transfer of funds, payments, borrowing capital, credit to asset management. Furthermore, the challenge for Islamic banking because of the existence of financial technology is the rise of crime in the world of technology and information.

Analysis of Fraud Patterns in Islamic Banking Transactions: Strategies and Implementation of Prevention

“…Shariah banks need to collaborate with authorities such as law enforcement agencies, banking supervisory authorities, and law enforcement-related agencies. Through this collaboration, Shariah banks can obtain up-to-date information on prevailing fraud patterns and receive support in investigating and prosecuting fraudsters (Mujiatun et al, 2022;Noviatun & Isfandayani, 2020).…”

The Use Of Sharia Fintech On MSMEs Performance: Mediation Of Interest In Use Of Transactions

“…Billah and Nuntupa (2021b) found that the role of fintech can help MSMES actors in increasing their finances so that fintech can encourage developed countries. Likewise Mujiatun, Jasin, Fahmi, and Jufrizen (2022) that the use of fintech can increase the success of MSMEs. Yahya et al (2019)found that Islamic fintech can improve the performance of loan obligations.…”