Islamic Banks Fintech in Indonesia

Abstract

In today's digital age, all segments of human life are easily accessible. Shopping for daily needs, booking accommodation and searching for news can be accessed through the Internet. In financial institutions, mobile banking is developing in which all transactions can be done through an application on a smartphone. All Conventional banks and Islamic Commercial Banks in Indonesia have financial technology (fintech) based applications. At Islamic Banks, mobile banking aims to make it easier for people to make transactions. The purpose of this study is to find out about the use of fintech, especially in mobile banking for Islamic Banks in Indonesia. This research uses a qualitative approach with a bibliometric method. The results of the study are that there are external and internal factors that influence the use of fintech in mobile banking in Indonesia. External factors such as Islamic bank services, application usage, application security and so on. Internal factors are public understanding, environmentalconditions and others. This research is expected to be a consideration for Islamic financial institutions that have a fintech system.