The Overview of Sharia Principles on BSI Mobile Banking

Authors

  • Muhammad Abdul Aziz University of Darussalam Gontor, Indonesia (Corresponding Author)
  • Eko Nur Cahyo Coventry University, United Kingdom
  • Sultan Nanta Setia Dien Labolo University of Darussalam Gontor, Indonesia

DOI:

https://doi.org/10.21111/al-iktisab.v6i2.8683

Keywords:

Sharia Principles, Bank Syariah Indonesia (BSI), Mobile Banking

Abstract

••• English ••• Information technology that has developed so rapidly in recent years has directed the focus of large banks to digital services, including mobile banking. The internet's rapid growth is changing how companies connect with their customers, and the banking business is no exception. Of course, the concept of blessing must be prioritized by every Muslim, especially in banking institutions. This research aims to analyse the BSI Mobile application's existing mobile banking service system. In 2021, Bank Syariah Indonesia (BSI) started to merge 3 (three) Islamic commercial banks in Indonesia, at the same time, to support the development of information technology (especially in banking), BSI has also created a BSI Mobile application to facilitate transactions. This research is qualitative research with a grounded research approach and uses a qualitative descriptive analysis method. However, even though the service system in the BSI Mobile application has met customer needs and is under the basic principles of sharia, many customers or the Muslim community who have not used it do not even know the system and application. Ultimately, it will impact applications that cannot be utilized optimally. Based on the results of research that the researcher have done, the BSI mobile banking service system should emphasize the publication and socialization of BSI Mobile products with various methods, including approaches that use sharia principles because legal regulations will be applied due to threats and legal causes that occur. ••• Indonesian ••• Teknologi informasi yang berkembang begitu pesat dalam beberapa tahun terakhir telah mengarahkan fokus bank-bank besar ke layanan digital, termasuk mobile banking. Pesatnya pertumbuhan internet mengubah cara perusahaan terhubung dengan pelanggan mereka, dan bisnis perbankan tidak terkecuali. Tentunya konsep berkah harus diprioritaskan oleh setiap Muslim khususnya di lembaga perbankan. Penelitian ini bertujuan untuk menganalisis sistem layanan mobile banking yang ada pada aplikasi BSI Mobile. Pada tahun 2021, Bank Syariah Indonesia (BSI) sudah mulai menggabungkan 3 (tiga) bank umum syariah di Indonesia, sekaligus untuk mendukung perkembangan teknologi informasi khususnya di bidang perbankan, BSI juga telah membuat aplikasi BSI Mobile untuk mempermudah transaksi. Penelitian ini merupakan penelitian kualitatif dengan pendekatan grounded research, dan juga menggunakan metode analisis deskriptif kualitatif. Namun, meskipun sistem layanan pada aplikasi BSI Mobile telah memenuhi kebutuhan nasabah dan sesuai dengan prinsip dasar syariah, namun banyak dari nasabah atau masyarakat Muslim yang belum menggunakannya bahkan belum mengetahui sistem dan aplikasi tersebut. Pada akhirnya akan berdampak pada penggunaan aplikasi yang tidak dapat dimanfaatkan secara maksimal. Berdasarkan hasil penelitian yang telah peneliti lakukan, sistem layanan BSI mobile banking dapat meningkatkan publikasi dan sosialisasi produk BSI Mobile dengan berbagai metode termasuk pendekatan yang menggunakan dalil prinsil syariah, karena secara hukum peraturan akan diterapkan karena adanya ancaman dan sebab hukum yang terjadi.

Author Biography

Muhammad Abdul Aziz, University of Darussalam Gontor, Indonesia (Corresponding Author)

Muhammad Abdul Aziz, S.H.I., M.Si.Head of Department of Islamic Economics Law, Faculty of Islamic Law, UNIDA GontorEmail: mabdulaziz@unida.gontor.ac.idLink: Google Scholar

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Published

2022-11-01

How to Cite

Aziz, Muhammad Abdul, Eko Nur Cahyo, and Sultan Nanta Setia Dien Labolo. 2022. “The Overview of Sharia Principles on BSI Mobile Banking”. AL-IKTISAB: Journal of Islamic Economic Law 6 (2):207-26. https://doi.org/10.21111/al-iktisab.v6i2.8683.

Issue

Vol. 6 No. 2 (2022)

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