THE FUTURE OF BANKING IN THE TECHNOLOGY ERA: DIGITAL TRANSFORMATION AND IMPLICATIONS
DOI:
https://doi.org/10.36563/aae9c452Keywords:
flexible regulation, digital technology, Islamic banking, digital transformationAbstract
This research analyzes the impact of flexible regulations and technology adoption on the competitiveness of Islamic banks in the digital era. With a qualitative approach, this research assesses the importance of adaptive regulations and the adoption of technologies such as fintech and blockchain in enhancing operational efficiency and Sharia compliance. The results show that flexible regulations and the application of digital technology can drive innovation, strengthen competitiveness, and enhance customer satisfaction in Islamic banking. These findings contribute novelty by linking regulation, technology, and competitiveness in the context of the digital transformation of Islamic banking.
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