Pengaruh Fintech Payment Dan Fintech Lending Terhadap Kinerja Keuangan Perbankan Syariah Di Indonesia
DOI:
https://doi.org/10.58192/profit.v5i2.4256Keywords:
Fintech Payment, Fintech Lending, Financial Performance Of Islamic Banking, Fintech Payment, Fintech Lending, Kinerja Keuangan Perbankan SyariahAbstract
Abstract
The development of financial technology fintech has fundamentally changed the Islamic banking landscape in Indonesia. In the midst of the rapid growth of fintech payments and lending, Islamic banking faces challenges as well as opportunities in maintaining competitiveness and improving financial performance. Although several studies have explored the impact of digitalization on conventional banking, the literature on the specific effects of fintech payments and lending on the performance of Islamic banking is limited. This gap is important to examine given the unique characteristics of Islamic banking operating on Islamic principles, as well as the urgency of technological adaptation to reach a wider market segment. Therefore, this study aims to analyze the influence of fintech payment and fintech lending on the financial performance of Islamic banking in Indonesia
Abstrak. Perkembangan teknologi finansial fintech telah mengubah lanskap perbankan syariah di Indonesia secara fundamental. Di tengah pertumbuhan fintech payment dan fintech lending yang pesat, perbankan syariah menghadapi tantangan sekaligus peluang dalam mempertahankan daya saing dan meningkatkan kinerja keuangan. Meskipun beberapa studi telah mengeksplorasi dampak digitalisasi pada perbankan konvensional, literatur mengenai pengaruh spesifik fintech payment dan fintech lending terhadap kinerja perbankan syariah masih terbatas. Kesenjangan ini penting untuk diteliti mengingat karakteristik unik perbankan syariah yang beroperasi berdasarkan prinsip-prinsip Islam, serta urgensi adaptasi teknologi untuk menjangkau segmen pasar yang lebih luas. Oleh karena itu, penelitian ini bertujuan menganalisis pengaruh fintech payment dan fintech lending terhadap kinerja keuangan perbankan syariah di Indonesia
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